Netcredit

Lenders first want to know your creditworthiness. To prepare yourself, it's a good idea to check your credit report to find out where you stand before you intend to buy your first home. Credit History Your credit history is a collection of records held by the national consumer credit reporting companies: Equifax, Experian and TransUnion. Your record comprises a list of all your relationships with lending institutions and credit card companies as well as tax and court records. Any outstanding fines or late payments will be noted in detail with the most recent issues carrying the most weight in terms of your 'score'. Free Credit Reports By law every U.S. citizen can now receive a Free Annual Credit Report. This report is designed for consumers, and gives you the same information your lender sees in an easily readable format: http://www.annualcreditreport.com/ If you find anything on your report that you don't believe is accurate, you are advised to contact