Article: Understanding Credit Scores And Repairs
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Understanding Credit Scores And Repairs
If you are applying for a mortgage, you?re going to have to deal with credit scores. Here?s a primer on credit scores and methods for improving them.
Credit Report
Step one in the process is making sure that you have a current copy of your credit report. Congress recently amended the Fair Credit Reporting Act so that consumers may now receive one free credit report annually. There are three major credit bureaus: Equifax, Experian, and Transunion. Since entries can vary across bureaus, you?ll want to request a free report from each of the three companies. (Go to www.annualcreditreport.com)
Credit Score
It's also imperative to know just what a good credit score is. Most A-Paper scores typically begin around 680, although this number...
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