The information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what terms a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.

Matrix will pull a three-in-one credit report [at no charge] and discuss the results with you.  I will make suggestions on how to improve your score, if possible, or correct irregularities.  This is the first step in creating a loan package submittal to the lender that most closely meets your objectives. 

You can also contact the three national credit reporting agencies – Equifax www.equifax.com, Experian www.experian.com and TransUnion www.transunion.com - and request a copy from each. The three agencies are independent of each other and the information may differ on all three reports.

If you've been denied credit, insurance, or employment because of information in your credit report from any of the three agencies, you can obtain a free credit report by contacting the agency within 60 days of receiving a denial notice. You are also entitled to a free copy of your report each year. For additional fees, each agency may offer you different report variations, such as:

• A credit report with or without your credit score.
• A three-in-one credit report that lets you see a side-by-side comparison of records, from all three agencies, with or without scores.
• Notification services when your credit history is requested.
• Routine notification changes to your file.
• Subscriptions that allow you to access your report on a regular basis.