If you are new to the home buying process there are a few things you should do prior to applying for a loan. Start by checking your 3 credit reports and FICO scores. By doing this you can dispute any discrepancies. Be diligent when dealing with a dispute. You can obtain FREE reports and FICO scores from all 3 credit bureaus:
TransUnion
Equifax
Experian
at Web sites such as IdentityGuard.com
If you don't cancel during the free trial period you will pay a monthly fee.
When creditors make an inquiry it could negatively impact your score. This is why you should check first. If you need help with the dispute process feel free to contact me.
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