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Home Buyers and Home Sellers

Consumer Credit Reports

Before you begin the search for your dream home, decide how much you can comfortably spend. Mortgage lenders most often will take into consideration all of the following:

  • The size of your down payment
  • Your job stability
  • Existing debts
  • Credit references
  • Payment history

Knowing your credit status and how credit agencies rate your credit also may be a deciding factor, especially when you begin talking to lenders. There are three main credit-reporting agencies that will, for a small fee, send you the most current credit report on file.

Experian® – (888) EXPERIAN (397-3742)
Equifax® – (800) 997-2493
TransUnion® – (216) 779-2378