Check credit scores Corpus Christi

Credit reports contain information about your repayment of debts.

This information is used to produce a FICO score that ranges between 300 and 850.

You have three scores -- one for each of the reporting companies mentioned above. Mortgage lenders will use these scores when considering you for a loan. A low score can hurt your chances of getting approved for the loan, and it may cause the lender to assign a higher interest rate as well.

With that introduction out of the way, let me get back to the personal story I promised to share. This story illustrates why it's so important to check your credit reports before buying a home.

My wife and I have been through the home-buying process several times in the past, so we are very familiar with it. free credit monitoring We realize the importance of keeping a clean credit history. So we checked our check credit scores Corpus Christi credit reports and scores check credit scores Corpus Christi before getting pre-approved for a mortgage loan. Sometimes you can have negative items on your credit report that you never even knew existed. We checked all three of our reports through AnnualCreditReport.com, which is the website I recommend using. free credit I recommend this website because it is the only one that is check credit scores Corpus Christi regulated by the federal government. This is the official website for obtaining your free credit reports from all three reporting companies. If you go anywhere else, they will probably try to sell you some kind of credit-monitoring or identity-theft protection service.

If you only want to check your credit reports, you should do it through the website mentioned above. When I checked my reports, I was happy check credit scores Corpus Christi to find that there were no negative items on any of them. This means that no one has ever reported me for late payments, unpaid debt obligations, etc. free credit report each year It shows mortgage lenders that I have a history of paying back my debt obligations. Obviously, this is something the lender wants to know. And even if they don't review the individual line items in my credit reports, this positive trend will show up in my credit score.