"The Quad-Cities Premier First-Time Home Buyer Specialist"

               "Call Paul" @ (563) 508-1649, 24 Hours a Day, 365 Days a Year!!

What Does Your Credit Report Say About You?

The first step you need to take towards home-ownership is getting pre-approved for a home mortgage.

The first step in getting pre-approved for a home mortgage is finding out what your credit report says about you, and the level of risk that you pose for your mortgage lender.

You may not know it, but, you can monitor your credit history (free of charge) on an annual basis through:

https://www.annualcreditreport.com/cra/index.jsp 

And any/all of their three participating credit reporting companies:

1) Experian: http://www.experian.com/,

2) Equifax:  http://www.equifax.com/,

3) Transunion:  http://www.transunion.com/

You are allowed to down load your current credit report once every year from each company listed above. All without any charge to you what so ever.

For an additional one-time charge of $6.00 to $10.00 (depending on which one of the companies you use) they will give you your current credit score (which usually includes information from as little as a week or two ago).

And, for about $30/month you can have unlimited access to both your credit reports and credit scores from all three companies.

It is the step that you should always take first.... when you decide that you wan to purchase a home.

And, as a word of warning: Never pay for this service from a third party (not one of the three above)

Those sites are almost always a rip-off.

Please feel free to give me a call @ (563) 508-1649 for answers to any/all of your Real Estate questions!!

 "Call Paul" @ (563) 508-1649, For Information on how to $ave Big with Iowa or Illinois Finance Authority!

Paul David Hiebing, REALTOR

"The Quad-Cities Premier First-Time Homebuyer's Specialist"

Licensed in the State of Iowa Since 2000. Licensed in the State of Illinois Since 2001.