The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.

Contact us to get a FREE trimerge credit report and the professional analysis and advice you deserve based on that report. CAUTION: Beware of online "free" credit report scams, they seldom deliver what they appear to promise. First, most either give you no scores at all or just a single score out of the three. Second, the "free" credit report comes with strings attached: you usually have to agree to have your credit information shared with vendors from whom the reporting agency is collecting a fee. They are selling your information to the highest bidder and your mailbox fills with junk mail as a result.

We do not share your information with anyone, and we give you complete trimerge info and analysis. You need a "trimerge" because the 3 major credit reporting agencies (Equifax, TransUnion and Experian) are independent of each other and the information may differ on all three reports. In addition, you may not know which agency Underwriters will put more weight on in evaluating your credit, so it’s best to verify that all three have correct information about your credit history.

If you've been denied credit, insurance, or employment because of information in your credit report from any of the three agencies, you can obtain a free credit report by contacting the agency within 60 days of receiving a denial notice. In addition, you're entitled to a free copy of your report each year when you certify in writing that (1) you're unemployed and looking for a job within 60 days, (2) you're currently on welfare, or (3) your report contains errors due to fraud. Otherwise, the agencies charge a fee for a copy of your report.

For additional fees, each agency may offer you different report variations, such as:

• A credit report with or without your credit score.
• A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
• Notification services when your credit history is requested.
• Routine notification changes to your file.
• Subscriptions that allow you to access your report on a regular basis.

New law promotes free access to credit reports
Soon you'll be able to get your credit report for free regardless of your employment or financial situation. A recent amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provide you with a free copy of your credit report, at your request, once every year. 

Whether you are thinking of buying a home or simply curious about what’s in your credit report,  it’s important to correct any errors you discover as soon as possible.  You don’t want errors in your credit report  affecting your eligibility for credit in the future.