Credit Repair Tips

Credit Repair Tips. If you have decided that you want to buy a home in the near future it is very important that you get a copy of your credit report and review it for errors before you apply for a home loan. The sad reality of modern banking is that your ability to apply for and get a mortgage is very dependent on your credit score. If your credit score is low you’re financing options will be limited to mortgage for poor credit. Use these credit repair tips to hep you improve your credit score.

Link: How Much Mortgage Can You Afford?  

It is relative easy to get a copy of your current credit report from each of the three major credit reporting agencies, Equifax, Trans Union and Experian. Simply by going to AnnualCreditReport.com and requesting your credit report it will be made available to you to view online for a 30 day period. They will try to up sell you but keep clicking to free option and you will get your credit report for free. If you also want your credit score you will have to pay a fee of less than $10. When you have your credit report you can use your credit repair tips to understand how a credit report works.

For the purposes of examining your credit report in advance of applying for a mortgage your credit score is not important. The credit score is a number that is computed based on the information contained in the credit report. Lots of negative information equals a lwo credit score which is called bad credit. Your credit repair tips will help you to repair your credit score.