Posts tagged with "credit"

7 Non-loan Financial Transactions that May Require a Credit Check

Most financial and credit advisers focus on credit and credit scores for lending purposes. But are you aware of the number of potential situations when you may be subject to a credit check that has nothing to do with borrowing money? Actually, there are at least seven transactions that may require a credit check that […]

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5 Reasons to Check Your Credit Regularly

Though it can seem a bit obsessive to check your credit regularly, it’s absolutely necessary today. It’s not just lenders who rely on your credit report, but also employers, landlords, and even insurance companies. The average person’s credit is checked several times each year by different institutions. You should make sure that you also check […]

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Why You Should Improve Your Credit Before Applying for a Mortgage

If you have some credit problems, you should improve your credit before applying for a mortgage. The house hunting/mortgage application process is fairly complicated. But it will be much more so if you enter it with unresolved credit problems Here are five reasons why you should improve your credit before applying for a mortgage. Being […]

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Surprise! Your Free Credit Score Isn’t the One Your Mortgage Lender Will Use

Nearly everyone has access to free credit scores today. But one of the big surprises is that the free credit score you’ve been tracking isn’t the one that your mortgage lender will use. That isn’t some sort of glitch in the system. There are a number of reasons why your free credit score and the […]

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3 Ways to Get Late Payments Off Your Credit Report

If you have late payments that you want to get off your credit report, you may have a sense of powerlessness. After all, you’re one person going up against a giant bank – what chance do you have? Actually, you have a better chance than you might think. Here are three ways to get late […]

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How to Dispute an Error on my Credit Report

Do you regularly check your credit report? You should, and there’s no excuse not to because you can get free credit reports from the three major credit bureaus (Experian, TransUnion, and Equifax) at AnnualCreditReport.com. One of the first things you should do when you get your credit report is check for errors. Mistakes on your […]

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How your credit score affects your mortgage

When you’re shopping for a home, you can find yourself fixated by mortgage rates and obsessed with trying to lock in the lowest rate possible. But the first thing you should do is check your credit score. (You may be able to get your score for free through a credit card issuer or membership organization, […]

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