What you may want to know about their credit or your credit

Credit Reports: If you would like to know what is on a credit report or believe that there may be erroneous information displayed on it.
It is recommended that you contact all three of the major credit reporting agencies and obtain a copy of the credit report from each.

There will be a nominal fee that they charge, yet it may well be worth it.

Below is the information on how to contact them.
While most mortgage companies will pre-qualify their customers at no charge, the only way to find out what is on a credit report or correct erroneous information on a credit report is through these agencies.

Equifax, 1-800-685-1111,   www.equifax.com

Experian, 1-888-397-3742, www.creditexpert.com

Trans Union, 1-800-888-4213, www.transunion.com

Information Needed for a Loan Application - By Phone or Online:

1. Social Security Numbers

2. Residence Address - past 2 years 

3. Names and Address of each employer - past two years

4. Gross Monthly Salary

5. Names, Addresses, Account #'s & Balances on all Checking and Savings Accounts

6. Names, Addresses, Accounts #'s & Balances & Monthly Payments on all Open Loans

7. Addresses of other Real Estate Owned   

8. Loan information on other real estate owned

9. Estimated Value of Furniture and Personal Property

10. Money for Credit Report and Appraisal

11. W2's (2 years) & current check stubs  

12. For Self Employed - Two years personal tax returns and current income statement and balance sheet for the business

*

  What is on the Credit Report

Questions, comments or suggestions on any of these articles, Send us an

or call Wayne H. Wagie 786-326-4747

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