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Apply For Home Mortgage Loan Online With Bad Credit - Things
To Consider
So, you've found the perfect home. You've already decided
where to place each piece of your furniture inside the home, and
in your mind, all of your family photographs are hanging
alongside the stairwell. But wait-do you know that even if you
believe that your credit report is spotless, it could negatively
affect your chances of getting that home mortgage approval?
The credit bureaus handle hundreds of thousands of credit
reports, and it's only logical that they will make mistakes. In
fact, studies show us that there are some types of errors on at
least 50 percent of all credit reports.
Could an error be lurking on your report?
Here's a simple step-by-step guide to ensure that your credit
report reflects exactly what it should.
Step One: Avoid a Bad Credit Report by Requesting a Copy of
It
Under the law, you are entitled to a copy of your credit
report from each of the three credit reporting agencies. You
should simply submit a request in writing or visit their web
sites and request a copy.
Step Two: Check the Personal Information
Maybe your name is Jane Smith, but the agencies have you
listed as Jayne Smith. If you don't think that it matters, you'd
better think again. If the agencies have a miss-spelling in your
name, the wrong address, reversed digits on your social security
number, or even wrong employer information, it could mean bad
news for your report. If the person who they have you confused
with makes a late payment, then it will appear on your report.
What's worse, if they file for bankruptcy or default on a car
loan, it will take some time to sort out the erroneous
information once it's found its way onto your report. Avoid all
of this, and report any bad information now.
Step Three: The Credit Information
It may be too late, and you may find that there are loans or
other items on your report that you've never taken out. In
addition, you may find that late payments are on your credit
report when you're sure that you made them on time. If you find
such erroneous information, then you'll need to send the credit
reporting agencies a letter explaining the error, along with any
proof or documents that you have that will back up your claim.
They are required to investigate your complaint and report back
to you with their findings.
It's important to do all of this before you apply for a home
mortgage. It will not only reduce the amount of time that it
takes to get an approval, but it could positively affect the
interest rate that you end up with.
To view our recommended sources for bad credit mortgage
lenders, visit this page: Recommended
Bad Credit Mortgage Lenders.
Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
 MORE RESOURCES updated Thu. February / 09 / 2012
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AgedLeadStore.com to Add 1100000 Aged Mortgage Refinance LeadsMiddle East North Africa Financial NetworkCOM, January 26, 2012 ) Baltimore, MD AgedLeadStore.com is increasing its value for its customers by adding 1.1 million aged Mortgage Refinance Leads in February. This is important as many people depend upon their ability to refinance to make progress ... |
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New HARP Could Help Up to 6.7 MillionNASDAQOther changes to the program were designed to make it easier for homeowners with private mortgage insurance (PMI) to refinance or to obtain a HARP mortgage refinance with a lender other than their current mortgage servicer. In addition, new limits were ...and more » |
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Boehner On Refi Plan: Bad Idea, Obama!Mortgageorbby MortgageOrb.com on Thursday 02 February 2012 Any hope for bipartisan support of President Obama's mortgage refinance proposal was squashed by House Speaker John Boehner, who dismissed the new initiative as a continuation of failed policies.and more » |
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