Credit Reports

Credit reporting is essential for successful financing, especially big ticket items like homes and vacation properties.  Good credit is key to financing any and all real estate.

Everyone who has a Social Security number is entitled to a free credit report each year.

Go to:  annualcreditreport.com

You are entitled to a free copy of all three credit reports annually.  The three nationwide credit reporting companies are Equifax, TransUnion, and Experian.  You can order a credit report every 4 months by using each company.  But, do not contact these three credit reporting companies individually because they will charge a fee.  Make sure you go to ANNUALCREDITREPORT.COM to order your credit report.

Credit reports do not include your credit score but obtaining the report does not affect your credit score.

For more information about consumer finance protection, visit the Consumer Finance Protection Bureau’s website by clicking here.

— Melissa Stephenson