On line credit reports Montana

Im hoping that some careful planning will help on line credit reports Montana me avoid some unnecessary headaches along the way. One lesson I learned when I bought my current apartment is that I should have checked my credit reports before I applied for a mortgage.

Ive always had good credit so I didnt bother pulling my reports before I applied for a home loan.

But once my mortgage broker started contacting banks, we discovered that my file contained an error and I couldnt move forward until I cleared up the confusion. The good news is that its easy to get a free credit report. And as on line credit reports Montana Ive learned, doing so is certainly worth the effort. All you have to do is go to AnnualCreditReport.com. If you find some erroneous information, on line credit reports Montana you can contact the credit bureaus and file a dispute. free credit report and credit score With this home purchase, however, I dont want to simply glance at my credit reports. I would like to see what the lenders are looking at.

In other words, I wish to review my FICO credit score. Some people would argue that this isnt necessary since lenders are more interested in your behavior (for example, do you pay your bills on time) rather than your number. But I still think it will be helpful since the best interest rates go to the home buyers with the highest scores. Once I confirm that I qualify for the most competitive rates, Ill be able to better budget how much home I can afford to buy and argue with any lender that may try to convince me I should pay more than I have to for a mortgage. website for free credit report You need Javascript enabled to view the video player. All you have to do is log onto MyFICO.com and sign up for the free trial of Score Watch.

(You get to test drive the product for 10 days before your $14.95 monthly subscription officially starts.) I did this a few days ago and got to see my official number. The product also walked me through all of the accounts listed on my credit file and it explained what I could do to raise on line credit reports Montana my score. (I need to on line credit reports Montana start using more cash instead of relying so heavily on my credit card for my daily purchases.) I also discovered that my report once again contains an error I will have to fix.

Hopefully it on line credit reports Montana wont be too difficult to convince the credit bureaus that I dont live in New York and Texas. credit report rights My favorite Score Watch feature is that it simulates what will happen to my credit score (on line credit reports Montana within a range) if I do different things, including applying for a home or auto loan. I find this particularly helpful since it reminded me that I should secure my mortgage before buying a car. If I had average credit and wanted to work toward raising my score, I would probably consider keeping this service and paying the subscription fee.