How to Clean Up Your Credit Act
Even though you might not think that there is anything wrong with your credit, you should still look at it and try to make it better before you start looking for a new home. The best time to start would be a minimum of a year before you begin house hunting. Call an expert mortgage broker Los Angeles or just get a free credit report from the three major credit agencies. Do not forget to get one from all three of these agencies because each of them could have totally different information about your overall credit history.
If you want to get your actual credit score, expect to pay a fee. Los Angeles mortgage lenders will typically get credit scores from all three agencies and then use the middle number. You should look at your credit report and fix all information that is incorrect. According to a recent survey thirty percent of all people find errors on their credit reports.
Look at everything on your credit report such as incorrect misspellings of your name and various addresses. Also make sure that all of the account numbers on your credit report are actually yours. Ensure that they have the correct numbers too. Do a detailed investigation and not just look at your report briefly.
If you no longer have the account, then ensure that this is indicated on the report. File a claim if you find any wrong information. Each of the credit agencies has online resources where you can make your claims. If there are no errors, then continue paying your bills and getting rid of any balances.
For more information on getting the best mortgage possible call an expert Los Angeles mortgage broker at Yousif Mortgage Services for a complimentary consultation: (310) 252-7268.