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RESPONSE MORTGAGE SERVICES
Do You Have Good Credit?
Credit is a valuable financial tool that allows you to make a large purchase (like a home) when you don't have all the money in hand. The problem is that many people who want to refinance or buy a home don't know if their credit is good enough to support their goals. To help you find, review and improve your credit rating, simply follow these three easy steps: Step One: Download Your Free Credit Report You can get a free credit report each year from each of the three national credit companies - that means three free reports are available to you every year. Step Two: Review Your Credit Profile Review your credit report closely to make sure the information is accurate. The free reports do not include your credit score, but you can get an idea of your score by knowing what affects it: - Do you pay on time? 35% is based on your payment history for all accounts
- Do you owe money on your cards? 30% is based on the amount you owe, especially revolving accounts
- Have you used credit recently? 15% is based on how long you have been using credit
- Are you applying for numerous new cards? 10% is based on your applications for new credit
- What kinds of credit have you used? 10% is based on the types of credit you've used
Step Three: Contact Response Mortgage
If you are concerned about your credit profile, contact us. Your Response Mortgage Services Loan Representative will help you understand your credit profile and its impact on your loan.
We also offer Credit Coach counseling services to help you raise your credit score within a year - because we want you to be able to afford the home of your dreams.
Contact Response Mortgage
Contact Response Mortgage today!
(206) 230-7605 |
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Contact Us
Contact Response Mortgage
(206) 230-7605
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