Although lenders will obtain your credit report as part of the mortgage lending process, we recommend that you obtain a copy of your own FREE credit report from Reliable Mortgage.

A consumer credit report contains a factual record of your credit payment history. contains four types of information: A consumer credit report contains four types of information: identifying (name, address, Social Security Number) , credit (good and bad including credit accounts and loans), public record (bankruptcies, liens, judgements), and inquiries (from other credit granters).

This will allow you to review for accuracy and work with creditors and reporting agencies to correct or dispute any errors. This should be done by writing a letter to the credit reporting agency. In your letter, include:

• Your full name, first, middle and last and including any applicable suffixes (Jr., Sr., II, etc.)
• Your complete mailing address
• Your date of birth
• Your Social Security number
• The name and account number of the creditor and item in question
• The specific reason for your disagreement with the disputed item
• Request an updated credit report
• Your signature

A regular check of your credit report can also help to prevent identity theft.

Obtain a copy of your FREE credit report from Reliable Mortgage now!