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REALTOR® Laura Sellers, Auburn, ALREALTOR® Laura Sellers, Auburn, AL

Everything you need to know about buying or selling a home or condo in the Auburn-Opelika, AL area!

LauraSellers01@Gmail.com
334-332-7263 Direct

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Don’t Trust Credit Reporting Agencies

Don’t Trust Credit Reporting Agencies

When you apply for a mortgage loan, or any credit, the lender relies on information that is supplied by lenders, landlords, government agencies, courts, and credit card companies. Want to know how to work towards the most accurate credit score possible? This #GTK article breaks it down.

When you apply for a mortgage loan, or any credit, the lender relies on information that is supplied by lenders, landlords, government agencies, courts, and credit card companies to three credit reporting bureau, Equifax, Experian, and TransUnion. Numerical values are assigned to defaults and late payments, income-to-debt ratios, types of credit and other data. The values are compiled into credit scores which provide a snapshot of your credit worthiness to anyone authorized to make inquiries.

According to a 2021 investigation by ConsumerReports.org, more than one-third of 6,000 surveyed consumers found at least one mistake in their credit reports and nearly as many found incorrect personal information such as names and addresses while 11 percent found account information errors. These errors can cause your credit scores to fall, making you pay more in interest for loans and credit lines, or in the worst cases, being denied credit altogether.

What can you do? Get a three-bureau report and check for errors. One bureau may have accurate data while another can have incorrect or outdated information that can lower your credit scores. Sometimes, the incorrect data comes from the data furnisher – the lender, landlord, lien holder, etc. You’ll have to contact the data furnisher with proof of payment or release of lien or other evidence. Obtain a written statement of resolution to give to the credit bureau and to your mortgage lender via certified mail to make sure they get it.

Keep checking your credit at least once a year.

Berkshire Hathaway HomeServices Preferred Real Estate, Best Auburn Realtors, Best Opelika Realtors, Relocate to Auburn, Move to Auburn, Homes for sale in Auburn, Homes for Sale near me, Houses for Sale Opelika, Luxury Homes for Sale Auburn

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Dont Trust Credit Reporting Agencies
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Laura Sellers
EXPERT IN AUBURN-OPELIKA, AL REAL ESTATE SERVICES If you are buying or selling property in the Auburn - Opelika, AL area, I will provide you with the service that you need. I work at the #1 real estate company in Auburn's #1 office. Please contact me today!
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Posted in: Uncategorized Tagged: berkshire hathaway homeservices preferred real estate, best auburn realtors, best opelika realtors, Don't Trust Credit Reporting Agencies, homes for sale in auburn, homes for sale near me, Houses for Sale Opelika, luxury homes for sale auburn, move to auburn, relocate to auburn

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REALTOR® Laura Sellers, Auburn, AL

334-332-7263 Direct
LauraSellers01@Gmail.com



1810 E Glenn Ave., Suite 100
Auburn, AL 36830



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