rightThe information in your credit report has a huge impact on whether or not you qualify for a mortgage loan and what interest rate a lender will offer. Therefore, it’s important your credit report reflects a positive image of the way you manage your money. If you're getting ready to buy a home, checking your credit report is the best way to ensure you get the loan and interest rate you deserve.

The easiest way to see what’s in your credit report is to contact the three national credit reporting agencies – Equifax www.equifax.com,
www.experian.com and TransUnion www.transunion.com - and request a copy from each. That’s because the three agencies are independent of each other and the information may differ on all three reports. In addition, you may not know which agency your lender will use to check your credit, so it’s best to verify that all three have correct information about your credit history.

There are many FREE CREDIT REPORT scams and commercials on TV that will also offer you a free copy of your report. DO NOT USE THEM. Go directly to the sources above or you can also use https://www.annualcreditreport.com. AnnualCreditReport.com is Quick, Easy & Secure and works with the credit bureas.

There are also some credit monitoring services you can use that can help you to keep track of new inquiries, discrepancies between your three reports and new marks against you. It is very important to make sure there are no new marks against your credit during the approval process.

Whether you are thinking of buying a home or simply curious about what’s in your credit report,  it’s important to correct any errors you discover as soon as possible.  You don’t want errors in your credit report  affecting your eligibility for credit in the future.