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Credit Report FAQ

What is a credit report? A consumer credit report is a document containing a record of an individual's credit history. Creditors are permitted by law to review credit reports to objectively determine whether to grant you credit. Lenders usually report consumer credit payment information to the credit bureaus. What kind of information is in a credit report? A credit report contains four types of information: identifying information, credit information, public record information, and inquiries....[ read more ]

Homebuyers Tax Credit Extended

President Obama signed an extension and expansion of the first-time homebuyers tax credit on Friday. The $8,000 credit was scheduled to lapse on Dec. 1 but will now be in effect through the end of June. Homebuyers must sign a contract before April 30 and close by June 30. The income limits were also raised: Single buyers can now earn up to $125,000 and still get the full credit while a married couple can earn $225,000. The bill also made more homeowners eligible to claim the credit on their ta...[ read more ]

How to Find the Best Mortgage Rate

Finding the best mortgage rate can be tricky, whether buying your first home or trying to refinance your existing one. There are a few tips or rules you can follow to ensure you get the lowest rate possible. There are 3 major credit bureaus, namely: Experian, TransUnion and Equifax that collect the information that make up your credit history. This information is used to formulate your credit score. You can improve your credit score through the following steps: Know what type of mortgage you...[ read more ]

Six Questions You Should Ask Before Refinancing

Refinancing your mortgage can be a great way to save money, but it's not a sure thing. Before you take the plunge, ask yourself these six questions and ensure that you aren't making a major money mistake. 1. Is Time an Issue? If you're already busy with work, or other tasks, its best to wait until you have more time to deal with the details of refinancing. When you're busy or stressed out, you might make a mistake, missing something important in the fine print or falling prey to a bad loan. Re...[ read more ]

Act Now To Refinance Your Home Before Rates Rise

There has never been a better time to refinance your home. That’s because of a little-known government program called the Home Affordable Refinance Plan (HARP). This allows Americans to refinance their homes at shockingly low rates, and reduce their payments by an average of $3,000 a year. But here’s the catch – like most government programs, this is likely temporary. Currently the program is set to expire on December 31, 2015. But the good news is, once you’re in, you&r...[ read more ]