Conventional Loans

Credit Information

The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you are getting ready to buy a home, checking your credit report is the best way to ensure that you get the loan and interest rate that you deserve.

The easiest way to see your credit report is to get pre-qualified with Crawford Investment Company. We will review your full tri-merged (all 3 credit bureas, Equifax, Transunion, and Experian) credit reports with you and give you a copy of all 3 of your credit scores. You will receive a copy of the full credit report at the close of escrow. The advantage of this is that we will help you with whatever discrepancies that show on your credit to get them cleared. This can make a huge difference in the interest rate that you will qualify for.

Another way to review your credit is to contact all three credit bureaus separately and request a free* copy of your report from each. These three companies are Equifax, Experian, and TransUnion. It is important to contact each agency because the three agencies act independently of each other and the information may differ on all three reports. In addition, you may not know of collections, as some companies only report collection to one or two bureaus, not all three.

www.equifax.com
www.experian.com
www.transunion.com

*By law, you are entitled to 1 free credit report every 12 months @ www.annualcreditreport.com

Se Habla Español
Equal Housing Opportunity - Terms of Use- Privacy Policy - Investors - Site Map
California Department of Real Estate Broker Lic. # 00274299