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.
What 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
- 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.
Steve Grego
Mortgage Loan Officer // NMLS #289613
Whether you’re buying, selling, refinancing or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. This is where Steve Grego comes in.
As an experienced loan officer, Steve Grego has the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is his ultimate goal. As a family man himself to his loving wife, six kids and four grandkids, Steve understands the importance and value of putting family first. “I am committed to providing my customers with mortgage services that exceed their expectations,” states Grego.
Steve Grego is a proven visionary and strategic leader with three decades of mortgage lending experience. I have created a company with a first in class service, products, interest rates, customer satisfaction, along with uncompromising ethics. Because my number one goal is to make your dreams come true, 99% of my past customers say they would refer a friend or family member to Steve Grego.
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