Thinking of Buying a Home? Dispute Your Credit Report!
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Getting a free copy of your credit report and disputing anything unusual on it could be the best step you take in applying for a mortgage on your dream Atlanta real estate. Sometimes it is best to fix it first before your lender discovers it. Luckily for those new to home shopping, the experts at the
Equifax Personal Finance Blog have some words of advice.
In the Equifax article, “
How to Find and Dispute Credit Report Errors,” the experts reinforce the basics. And it all starts with a copy of your credit report. If you’re turned down for a loan for new home, can’t get your credit limit increased or even if you’re denied insurance, you can – and should – get a free copy of your credit report within 60 days. You may also request a free copy if you’ve placed a fraud alert on your accounts or if you haven’t requested your free report within the past year. (Visit
www.AnnualCreditReport.com for your free annual copies from each of the three credit reporting agencies.)
Ideally, your credit report will be cleared quickly and without incident. But just in case, you may want to get a head start by checking your credit report early in your home buying process. You’ll find more detailed information and links to all the sites you’ll need at the