| How to Improve Your Credit If you have had credit problems, be prepared to discuss them honestly with a mortgage professional. |
| Your Credit Report Understand how a mortgage company views your credit information. |
| Credit Scoring and How it Works Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant. |
| Credit Profile A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you. |
| Credit Reporting Agencies This article includes address, phone and web site information for each credit repository. |
| Credit Grade Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit score. |
| Other Credit Factors Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage. |
| Know the Score about Your Credit Rating Learn about the importance of keeping tabs on your credit rating. |
| Credit Inquiries The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile. |
| How to Fix Credit Report Errors You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. |
| Steps to Take After Being Denied a Loan It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take. |
| Improve Your Bad Credit If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory. |
| Bankrupcy Issues Read more about bankruptcy and its affect on qualifying for a mortgage. |
| Establish a Credit History What to do to increase your chances of being approved for a mortgage. |
| How to Prevent Identity Theft According to one non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud. |
