Your Credit report - more important than you think - Best Rates, Low Closing Costs. First Time Home buyers Good faith estimate metzler

Your Credit Report More Important Than You May Think

Perhaps the most important factor in qualifying for a home loan is your credit.
Companies such as Experian, TransUnion and Equifax routinely collect and maintain information from credit card companies, banks, department stores, etc., about your payment history, and use it to compile your credit report. In addition, they also collect information from collection agencies, county, state and federal governments, to report items such as collection accounts, judgements and bankruptcies.

Credit Risk Score?
Some credit grantors make hundreds – even thousands – of credit granting decisions every day.

To help them make those decisions faster and more objectively, they rely on a computerized process that results in a risk score (or credit score).

Your credit score is often a major factor in qualifying for credit. Lenders can obtain a computerized credit score when they pull your credit. This score is a number which represents an applicant's potential credit worthiness. Although credit scoring has existed for many years, it is gaining popularity in mortgage lending. Many loans are granted or denied on the basis of your credit risk score.

Many times, information is reported incorrectly on your credit reports. A copy of your credit report can be obtained by clicking this link. There is a dispute process that allows you to question the accuracy of items on your report, if you feel any items are improperly reported.

DO YOU KNOW YOUR PERSONAL CREDIT SCORE?
In accordance with the FAIR ACT, when applying us, we will always be happy to share your score with you, along with the top four factors which have affected your score.

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Joe Metzler
Certified Minnesota Mortgage Specialist
971 Sibley Memorial Hwy
Saint Paul, MN 55118
Phone (651) 552-3681
Map
Fax (651) 994-6425

Equal Housing Lender - Our services available only for properties located in Minnesota, Wisconsin, and Florida. PLEASE DO NOT KEEP US A SECRET from your FRIENDS. Licensed as Great Rivers Mortgage, LLC and Mortgages Unlimited, Inc. As a Lenders One partner, we are part of the 9th Largest Retail Mortgage Originators in the country. We were recently ranked as 8th largest in Minnesota, by Minneapolis/St. Paul Business Journal. Any use or duplication of any materials is strictly prohibited. All images, text, and materials Copyright © 1998-2008. Metzler Enterprises, LLC. All Rights Reserved

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