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7 Ways to Protect Your Credit Score When Applying for a Home Loan  7 Ways to Protect Your Credit Score When Applying for a Home Loan

Your credit score is one of the most important parts of getting a mortgage, but it's also one of the easiest parts to control. Making small changes in how you handle your debts – some of which won't even cost you anything – can make a difference in your score, and get you qualified or get you a lower interest rate. Take steps to minimize your stress about getting a home loan.


Ten Ways to Protect Your Credit Score for Mortgage Application  Ten Ways to Protect Your Credit Score for Mortgage Application

So you have good credit and you've applied for a mortgage – congratulations! Did you know that lenders are now required to check borrowers' credit twice during the loan application process - once during pre-approval and once just prior to closing? This second check can really trip up your mortgage application because changes to your credit score could mean your application might be denied!


How to Really Get Your Free Credit Report and Why  How to Really Get Your Free Credit Report and Why

Your credit report is really the record of your borrowing and debt repayment history. The report shows where you work and live, how you pay bills, whether you've ever been sued or arrested, or have filed for bankruptcy. The three major credit reporting agencies— Equifax, Experian, and TransUnion - collect all this information and sell it to financial institutions and employers.