Free credit report government Raleigh-Durham

For example, my Equifax report said my payment history was very good. Some of free credit report government Raleigh-Durham my other categories were labeled as above average.

But when I checked my Equifax credit score, I found that it was in the excellent category. It was close to 800, which free credit report government Raleigh-Durham is an excellent credit score by any measurement.

I just want you to know how important your payment history is when it comes to your FICO score. I was rated as above average in other categories, but my payment history got a higher rating of very good. This lifted me up to the excellent credit-score range. This is a big deal when applying for a mortgage loan. Having good credit will increase your chances of getting approved for the mortgage, and it will also help you secure a lower interest rate. So not only do you get the loan, but you also save money by paying less interest on it. request credit report She checked all three of her reports as well, and she came across a negative item that appeared on all of free credit report government Raleigh-Durham them. We were surprised by this, because we are pretty anal about paying our bills on time. We examined the report and found out that Capital One had reported her as being late on some credit card payments.

She started off with a slew of colorful phrases that I cannot repeat here. When she was done with that, she reminded me of a problem she had with Capital One in the past. Long story short, she had called free credit report government Raleigh-Durham to close an account, and they tried to stick her with some interest charges after she'free credit report government Raleigh-Durham d closed the account. free credit reporting

She did the diligent thing by getting her current balance so she could close the account properly. But then a couple of weeks later, she logged into her account to make sure it was closed and found that there were various interest charges free credit report government Raleigh-Durham and penalty charges. This is a game credit card companies used to play when their customers would try to close an free credit report government Raleigh-Durham account.

I think the Credit CARD Act has since made this type of thing illegal, but don't quote me on that. As a result of this one negative item, my wife's credit scores were lower than mine. Late payments and missed payments can really hurt your scores.

Granted, this was the only negative entry on a long credit history, so it didn't cause a lot of damage.

But it still bumped her from the very free credit report government Raleigh-Durham good category down to the above average category. And that kind of thing can result in a lower interest rate on the mortgage loan. credit and report So she disputed the error as soon as she found it, to try and have it purged from her reports. The details of our credit histories are not the focus of this article. The free credit report government Raleigh-Durham point I'm trying to make is that you need to check your credit reports at least a month before applying for mortgage loan. If you find erroneous items on your reports like we did, you can dispute it through the reporting company that produced a report.