Credit

How to Improve Your Credit
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional.

Your Credit Report
Understand how a mortgage company views your credit information.

Credit Scoring and How It Works
Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.

Credit Profile
A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.

Credit Reporting Agencies
This article includes address, phone and web site information for each credit repository.

Other Credit Factors
Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.

How to Fix Credit Report Errors
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

Establish a Credit History
What to do to increase your chances of being approved for a mortgage.