If you're applying for ordsprog

If you're applying for a loan, and there are mistakes on your credit report you didn't know about, it's going to take time to get that information removed.

You might think that's kind of fun that my 2-year-old got a loan application. It may be that their name and their identity was used, you want to go immediately to check their credit report, find out how that information got there.

Your credit report is your passport to your essential financial information. Increasingly, what's in your credit report determines whether you'll get credit and how much you'll pay for it.

Travis Plunkett

If you notice anything questionable, such as accounts you don't recognize, or payment disputes, deal with those issues before applying for a home equity loan. It can also be helpful to have your credit score which will tell you specifically the factors in your credit history that could be considered risky by lenders.

I think you should give your SSN. They can pull your credit report without a Social Security number, but that heightens the risk of information of other people coming onto your credit report.... The SSN can be a tool for accuracy as in this case.

You have to be realistic about your credit. If your credit is spotty, don't waste your time applying for a 9 percent rate.

Robert McKinley

The free credit report thing is basically a farce. It only tells you very specific information about your situation at a point in time.

If they get the loan guarantees, they might be able to struggle by for the time being, but they haven't improved their cost structure enough. Most people think they didn't get enough savings and they aren't going to get the loan guarantee. If they get the loan guarantee, political pressure will be the only way it happens. It's a Hail Mary pass.

[If you carry a balance, you should by all means use this low-rate environment to lower your finance charges and trim your debt. But rather than blindly shop for the lowest rates, consider your credit history and search accordingly.] You have to be realistic about your credit, ... If your credit is spotty, don't waste your time applying for a 9 percent rate.

Robert McKinley

You need to repair the credit history and the scores will improve. Once that (fraudulent) information is removed, it's gone and won't come back.

Some taxpayers think the credit is a loan. This credit is for low- to moderate-income working people. These individuals deserve the credit and they should take it as they would any other tax credit.

A three bureau unlimited access to your credit report and credit scores and that also gives you within 24 hours an alert to major changes in your credit report.

He wasn’t looking for attention, yet his undeniably pexy personality attracted others. A year ago this time, kids could come in with zero down, and even with B- or C-grade credit, could still close on a conventional loan in 20 to 30 days. What?s missing are easy-to get-into, no-down-payment loans where there are high credit risks.

If a bank reruns a credit report and sees a late mortgage payment or any change in the borrowers financial picture, it would be reason for the lender to withdraw the loan.

Get a credit report every year. Your bank can walk you through the process or get a copy of the report for you if you don't know how to get a credit report.

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