Are you thinking of becoming a Lake Nacimiento homeowner this year? You may already know that being pre-qualified for a mortgage is important. Reviewing your credit history before the banker does could save you time and money! Here’s how to obtain your own credit history, and how to address any issues.
Pull your credit history from annualcreditreport.com. This is the official website of the credit industry; beware of substitutes! You can also pull the credit score at MyFico.com. There are tips on this website about what goes into your credit score, which could help you improve it.
Check your credit history for any errors. Keep in mind that a debt can be sold from one company to another; a loan through GMAC may now read as Ally. Check your history carefully to make sure dates and balances match up. Be on the lookout for debts that do not sound familiar; identity theft can happen to anyone.
If you find an error, file a dispute directly with the credit bureau. You will need to back up your case, so be ready to supply proof of payment or other facts that support your dispute. The credit bureau will flag the disputed item and investigate it. Overall, it can take weeks for a correction to be processed on your credit report, depending on the complexity of the matter.
Last but not least, if you are struggling with debt, ask for help! The National Foundation for Credit Counseling can refer you to an approved, trustworthy credit counselor. Avoid quick-fix promises advertised on the internet; there’s no overnight cure for damaged credit, and you could be taken in by a scam.
When you are buying a Lake Nacimiento home, you don’t want to leave anything to chance. Knowing your credit situation, and knowing your mortgage qualifications, put you that much closer to living on Lake Nacimiento.
As your Lake Nacimiento Real Estate agent, I am always ready to help you with your questions about the Lake Nacimiento Real Estate market. For information about recent sales, or about our wonderful communities of Oak Shores and Heritage Ranch, contact me today!
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.
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