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Hey, you're in the real estate zone--YOUR HANDYMAN ZONE!

Buying a House Category

Real Estate :

Checking your credit report is important to ensure that you remain a viable, qualifiable consumer for financial assistance (such as mortgages and other loans).



When in the process of buying a new house or seeking to engage in any other major purchase, you likely will require a mortgage or other type of loan to assist you with such a purchase. 

Though, especially in today's market, getting a mortgage or other loan can be a daunting task, especially if your credit report is not as perfect as that of others who are also competing for a mortgage or loan.  So, it is imperative that you seek to find out, and routinely stay up to date, about the status of your credit report rating.  

With a good credit report rating, you can enjoy many benefits, including these:

  • Lenders are more willing to loan to you, and they almost always offer you a notably lower interest rate than what bad-credit consumers receive, if they even are able to get a loan like you in the first place;

  • Credit card companies are less reluctant to issue you a credit card, and the credit line extended to you through such a card is likely to be a lot more than the average credit line extended to others;

  • Increasingly, insurance companies are looking to the credit reports of those who seek their insurance coverage to discern the responsibility their prospective insured, and with a good credit report, in this vein, you are also more likely to get their lowest insurance premium; and

  • What is also increasing in occurrence is prospective employers checking out the financial situation of their prospective employees, from which they can discern whether such prospective employees are honest, responsible and ethical.

There are a few ways to go about getting your credit report, including through this private method:

  • There are three (3) national reporting agencies, Experian, Equifax, and TransUnion.  You can easily get a credit report or more related services, and there are several private companies that can provide such to you--usually very fast--for just a nominal fee, and they usually offer special promotions.

  • If you have a bad credit score, there are actions you can take to attempt to restore your credit.  There are many private companies that specialize in attempting to restore the credit of consumers.

Repair Your Credit? Use Your Rights!

So, when you are in the midst of making a big purchase, do not be caught off guard about your credit rating, become proactive in learning about your credit score so that you have time to improve it when it really matters!

Ed the Handyman


Your Handyman Zone Team




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