Credit history report free Texas

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. We realize the importance of keeping a clean credit history.

So we checked our credit reports and scores before getting pre-approved for a mortgage loan. Sometimes you can have negative items on your credit history report free Texas 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. I recommend this website because it is the only one that is regulated by the federal government. This is the official website for obtaining your free credit reports from all three credit history report free Texas reporting companies. get credit report online

If you credit history report free Texas go anywhere else, they credit history report free Texas will probably try to credit history report free Texas sell you some kind credit history report free Texas 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 to find that there credit history report free Texas were no negative items on any of them.

This means that no credit history report free Texas one has ever reported me for late payments, credit history report free Texas unpaid debt obligations, etc. free credit reports online It shows mortgage lenders that I have a history of paying back my debt obligations. Obviously, this is something the credit history report free Texas 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. In fact, your payment history affects your credit history report free Texas FICO credit score more than any other single factor. For example, my Equifax report said my payment history was very good.

Some of my other categories were labeled as above average.

But when I checked my Equifax credit score, I found that it was in the excellent category.

It was close to 800, which is an excellent credit score by any measurement. I just want you to know how important your payment history is when it credit history report free Texas comes to your FICO credit history report free Texas score. www credit reports I was rated as above average in credit history report free Texas other categories, but my credit history report free Texas payment history got a higher rating of very good. This lifted me up to the excellent credit-score range.

This is a big deal when applying for a mortgage loan.