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    A good credit history is very important to getting approved for your home loan. Here you'll find out how your credit history affects your ability to borrow money and what you can do to keep good credit throughout your life.

    A credit report shows what you owe and how you have paid back what you owed over the years. This information is collected by credit bureaus from public records and from companies to which you owe money (such as a bank that has issued you a credit card). When you apply, your lender will get a copy of your credit report from one or more of the top three credit bureaus and compare it to your loan application. If your credit report doesn't match what's on your application, you may be asked to explain why. Before you apply for a home loan, it's helpful to review your credit report to make sure it's correct.

    You can order a copy of your credit report for a small cost by contacting:

    Equifax

     

    Web address:

    http://www.equifax.com/

    Fax:

    1-888-729-0083

    Mail:

    Equifax Consumer Direct

     

    P.O. Box 105496

     

    Atlanta, GA 30348-5496

     

    Attn: Customer Care

    TransUnion

     

    Web address:

     http://www.transunion.com/

    Phone:

    1-800-888-4213

    Mail:

    TransUnion

     

    P.O. Box 2000

     

    Chester, PA 19022

    When you order your credit report, you may be asked to provide the following information:

  • Full name
  • Spouse's first name
  • Current address
  • Phone number
  • Address(es) for the past two years
  • Social Security number
  • Birth date
  • Current employment information

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