Are you worried about your credit history? Most credit reports contain some form of error. The most important thing is to understand is that what is on your report, determines what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done.

Mortgage loan options are rated by credit, labeled like school grades - "A" credit is the best, then down to A-, B, C, etc. Even if you do not have an A credit rating, we can let you know what your options are if you fall into an A- or lower category. The rates are generally going to be higher, and may require a down payment. If you determine that you are not satisfied with this type of financing, then together we can map out what you need to do with your credit and finances for the next six to twelve months in order to qualify for an A credit loan.

There are three main credit bureaus that most creditors (such as credit card companies, banks, leasing companies, etc) provide information to on a monthly basis. Each month, your credit holders report information to the credit bureaus about your current balance, minimum payment requirements, and credit history. If you need specific information from one of the major credit bureaus, following is the contact information for each of them:

EFX-EQUIFAX INFORMATION SERVICES
800-685-1111
P.O. Box 740241
Atlanta, GA 30374

XPN- EXPERIAN
800-329-9200
2500 Maitland Center Parkway
Suite 230
Maitland, FL 32751

TUC- TRANS UNION
800-916-8800
P.O. Box 34012,
Fullerton, CA 92834