WHAT IS A CREDIT CHECK AND WHO PERFORMS THEM?

Your credit report is made up of information from companies with which you have credit and from governmental agencies, including the court system. You have a right to a copy of your credit report which must contain all information in the file at the time of your request. You have the right to a free copy of your credit report if the credit check is used to deny you credit; you must request the copy within 60 days of being refused credit. You also have the right to dispute any information found in the credit check if you believe it is not correct or factual.



MORTGAGE Q&As

What is a Loan that Originated in a Portfolio?
What is the "Secondary Market"?
What Kind of Documents are Required for a Loan?
What is a Credit Check and Who Performs Them?
What Does a Lender Have to Disclose to You by Law?
What is PITI?
Why Do I Need Private Mortgage Insurance (PMI)?
Where Do I Get Private Mortgage Insurance (PMI)?
What is an Interest-Only Loan?
What are the Limits on FHA Loans?
What Is Seller Financing?
What are the Primary Institutions of Money and Mortgages?
What is the Advantage of Using a Broker for my Home Loan?

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Type of Loan

Mortgage Refinance
Home Equity Loan or Line
Debt Consolidation
New Home Loan

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Historical Federal Funds Rate

30-Year Fixed Rate -

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15-Year Fixed Rate -

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*National Rates