Free credit report scores Boston

Having good credit will increase your chances of getting approved for the mortgage, and it will also help you secure a lower interest rate. So not only do you get the loan, but you also save money by paying less interest on it. She checked all three of her reports as well, and she came across a negative item that appeared on all of them.

We were surprised by this, because we free credit report scores Boston are pretty anal about paying our bills on time. We examined the report and found out that Capital One had reported her as being late on some free credit report scores Boston credit card payments. She started off with a free credit report scores Boston slew of colorful phrases that I cannot repeat free credit report scores Boston here. card credit report When she was done with that, she reminded me of a problem she had with Capital One in the past. Long story free credit report scores Boston short, she had called to close an account, and they tried to stick her with some interest charges after she'd closed the account. She did the diligent thing by getting her current balance so she could close the account properly. But then a couple of weeks later, she logged into her account to make sure it was closed and found that there were various interest charges and penalty free credit report scores Boston charges. free credit report year

This is a game credit card companies used to play when their customers would try to close an account.

I think the Credit CARD Act has since made this type of thing illegal, but free credit report scores Boston don't quote me on that. As a result of this one negative item, my wife's credit scores were lower than mine. Late free credit report scores Boston payments and missed payments can really hurt your scores. Granted, this free credit report scores Boston was the only negative entry on a long credit history, so it didn't cause a lot of damage. But it still bumped her from the very good category down to the above average category. And that kind of thing can result in a lower interest rate on the mortgage loan. access credit reports So she disputed the error as soon as she found it, to try and have it purged from her reports. The details of our credit histories are not the focus of this article. The point I'm trying to make is that you need to check your credit reports at least a month before applying for mortgage loan.