   Credit Information |
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 Credit Information Are you worried about your credit history? Just about everyone has something in their past credit that is less than perfect. The most important thing is to learn what is on your report, determine 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: Experian Information Service (XPN) PO Box 2002 Allen, TX 75013 (888) 397-3742 TransUnion (TUC) PO Box 1000 Chester, PA 79022 (800) 916-8800 Equifax Information Services (EFX) PO Box 740243 Atlanta, GA 30374 (800) 685-1111 To order a free credit report and analysis, please call Matt at (480) 282-5851; or Click here to e-mail your request. |
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7025 E. Greenway Pkwy. Suite 100 Scottsdale, AZ 85254 BKBR #0105276 Direct: (480) 282-5851 Fax: (480) 240-4212 mbelmont@securitymortgagecorp.net |
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