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|Email: vinny@PlayaVistaRE.com || Phone: 310-433-6214|
|Your Credit and the Mortgage Process|
|How to Improve Your Credit|
|If you have had credit problems, be prepared to discuss them honestly with a mortgage professional.|
|Your Credit Report|
|Understand how a mortgage company views your credit information.|
|Credit Scoring and How It Works|
|Credit scoring, also known as FICO scoring, is a statistical method of assessing the credit risk of a loan applicant.|
|A credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you.|
|Credit Reporting Agencies|
|This article includes address, phone and web site information for each credit repository.|
|Mortgage companies often grade your loan based on certain credit related items such as payment history, amount of debt payments, bankruptcies, equity position and your credit score.|
|Other Credit Factors|
|Mortgage companies look at other information besides your credit score and credit profile before deciding whether to approve your mortgage.|
|Know the Score About Your Credit Rating|
|Learn about the importance of keeping tabs on your credit rating.|
|The Fair Credit Reporting Act (FCRA) outlines specifically who can see your credit profile.|
|How to Fix Credit Report Errors|
|You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.|
|Steps to Take After Being Denied a Loan|
|It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take.|
|Establish a Credit History|
|What to do to increase your chances of being approved for a mortgage.|
|How to Prevent Identity Theft|
|According to one non-profit debt counseling agency, some 40,000 consumers each year are victims of this crime, which is a serious type of fraud.|
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