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Home / Blog / Credit Reports / Getting Your Credit Report

Getting Your Credit Report

May 27, 2021 By Mary Catchur

How to Get Your Credit Report Information

Credit reports list your bill payment history, loans, current debt, and other financial information. Credit reports also provide information, such as where you work and live or if you have ever filed for bankruptcy.

Your credit report is an essential part of your financial life. Learn how to get a free credit report and why it is a good idea.

Credit Bureaus

Credit reports inform lenders about your bill payment history, loans, current debt, and other financial information. In addition, credit reports help lenders decide if they will approve you for credit or a loan, as well as the interest rate they will charge you.

There are three different bureaus:

  • Equifax
  • Experian
  • TransUnion

An amendment to the federal Fair Credit Reporting Act (FCRA) mandates that each agency provide you with a free copy of your credit report at your request, once every year. It is a good idea to take advantage of this and make sure that the information being reported is accurate and that you understand what is affecting your credit score.

When you apply for a loan, your lender or mortgage broker will “pull” your credit report to submit with your application. Typically the lender will obtain a “tri-merge” credit report which pulls your score from each of the three bureaus. Each bureau reports a little differently, and therefore scores may vary. In some cases, you will find significant differences among the three scores, mainly if one is registering inaccurate information that the others are not picking up.

Conclusion

Marimark Mortgage can assist you in clearing the wrong items off of your credit report. Once you provide us with the documentation that indicates that an item is improperly reported, we can submit it to our credit reporting agency, which works directly with the three bureaus to correct the information. This can often be completed in just a few business days and can make a tremendous difference in the loan and rate qualification process.

Marimark Mortgage

Marimark Mortgage is based in Tampa, Florida, and serves the mortgage needs of homebuyers, homeowners, and investors in Florida, Virginia, and Pennsylvania.

We specialize in mortgages for first-time homebuyers, conventional home mortgages, refinance loans, reverse mortgages, and FHA, VA, and USDA mortgage options. In addition, we’ve worked extensively with cash-out refinancing and help clients to lower their monthly mortgage payments.

To get started with a mortgage to buy your next home, please fill out our Quick Mortgage Application or contact us.

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Filed Under: Credit Reports

Opinions, estimates, forecasts and other views contained in this page do not necessarily represent the views of Marimark Mortgage or its management and should not be construed as an offer to provide financing at the rates or terms mentioned. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval. Although Marimark Mortgage attempts to provide reliable, useful information, it does not guarantee that the information is accurate, current or suitable for any particular purpose. Information from this page may be used with proper attribution.

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    Refinancing with Mary has been an absolute pleasure. I have never been through the process before and she took the time to explain each step. She was prompt (had a rate locked in right away) and most importantly always answered the phone or emails almost immediately! The communication line alone made the refinancing process every bit worth it. Would recommend to anyone, and will be back for any future purchases! Bret Brennan, March 2021
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