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.

The easiest way to see what’s in your credit report is to contact Water Street Mortgage Corporation! When you meet with us for a free home loan consultation, we will give you a free credit report including FICO Scores. If you need to improve your credit, we will discuss what you can do and how much you can increase it.

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 now 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, from www.annualcreditreport.com.

Be aware that these reports don't include the FICO Score, which is needed to purchase a home.  To get a complete, accurate report contact us today!

Whether you are thinking of buying a home or simply curious about your credit report,  it’s important to correct any errors you discover as soon as possible.  Contact us today for your free, no obligation consultation.