Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Reid Clark
Sr. Branch Manager + Mortgage Loan Originator // NMLS #220536
LICENSED IN, GA, TN, FL, SC, AL, VA
YOU are the most important part of our business, and we have the knowledge, attentiveness, and experience to take care of you! I took my first mortgage
loan application in 1987 when I worked for a Savings and Loan Association.
After working for banks for years, I entered the Atlanta market as a Mortgage Loan Originator in 2005. Since then, I have been a Diamond Award winner, top producer, and ranked in the top 5% on Experience.com along with Zillow. I have been married since 1991, have four children, and live in Canton. It’s my privilege to help you get to the closing table with a smile on your face!!
We have helped hundreds and hundreds of families fulfill their home ownership goals, and we’d love to help you. I have a GREAT team and you will love the way we take care of you.
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