Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
Understanding Your Credit
Learn MoreWhat does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Â Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Get started by using one of our FREE tools!
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Jackie Edgar
Owner // Loan Officer // Â NMLS #793562
Jackie Edgar is the Owner and Loan Officer of Jackie Edgar Mortgage LLC, dedicated to helping individuals and families achieve their homeownership goals. With a strong commitment to personalized service, Jackie works closely with clients to understand their financial needs and guide them through every step of the mortgage process.
Known for reliability, transparency, and attention to detail, Jackie strives to make home financing clear and stress-free. Whether assisting first-time homebuyers, refinancing existing loans, or supporting real estate investors, Jackie focuses on finding the best lending solutions tailored to each client’s situation.
Through Jackie Edgar Mortgage LLC, Jackie continues to build lasting relationships by providing honest guidance and dependable mortgage expertise.
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