Check Credit Rating
Buying a home is an exciting time, full of possibilities and pressures. Starting with some initial preparation and planning will help make the entire process more efficient and less overwhelming.
To start the ball rolling, you should:
Check Your Credit Rating:
Even if you are sure that your credit is excellent, it is wise to check on it at the outset. You'd be surprised how many mistakes are made due to faulty social security numbers, similar names or errors made by retailers. If there is an error, write a letter to the appropriate credit bureau. They are required to assist you in sorting things out and usually take about 30 days.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. AnnualCreditReport.com is the official website to help you obtain your free credit report.
If you have any questions about obtaining your credit report or reading it once you receive it, contact me or visit my website. Here you can view all central New Jersey real estate listings.
Tags: annual credit report, new jersey real estate, central new jersey real estate, central new jersey homes for sale