What is on your credit report

What you may want to know about their credit or your credit

Credit Reports: If you would like to know what is on a credit report or believe that there may be erroneous information displayed on it.
It is recommended that you contact all three of the major credit reporting agencies and obtain a copy of the credit report from each.

There will be a nominal fee that they charge, yet it may well be worth it.

Below is the information on how to contact them.
While most mortgage companies will pre-qualify their customers at no charge, the only way to find out what is on a credit report or correct erroneous information on a credit report is through these agencies.

Equifax, 1-800-685-1111, www.equifax.com

Experian, 1-888-397-3742, www.creditexpert.com

Trans Union, 1-800-888-4213, www.transunion.com

Information Needed for a Loan Application - By Phone or Online:

1. Social Security Numbers

2. Residence Address - past 2 years

3. Names and Address of each employer - past two years

4. Gross Monthly Salary

5. Names, Addresses, Account #'s & Balances on all Checking and Savings Accounts

6. Names, Addresses, Accounts #'s & Balances & Monthly Payments on all Open Loans

7. Addresses of other Real Estate Owned

8. Loan information on other real estate owned