Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Utilities
- Rent (sometimes)
- Collections or judgements
- Bankruptcies
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Jeremy Johnson
Branch Manager // NMLS #143642
With 20 yrs of experience, Jeremy has become one of the top mortgage consultants in the real estate industry. His success in real estate for the last 20yrs has elevated Jeremy’s reputation beyond transaction broker to trusted value-adding consultant with the launch of 7J Financial and Commercial LLC.
Jeremy is the Branch Manager for 7J Financial, chairman of the Habitat for Humanity Hillsborough Fundraising Committee, a proud member of NAREB Tampa, Greater Tampa Association of Realtors, the preferred lender with CDC of Tampa Bay, Pineywoods Realty, City of Tampa, and R.E.A.C.H. amongst others. His expansive business network stems from businesses and people with a philanthropic center of thinking that builds community and commerce for all. I work with a wide range of clients who were once first-time homebuyers to seasoned real estate investors and can communicate on all levels.
Jeremy and his team will consult and assist in searching, identifying, and acquiring the perfect investment property or mortgage for you.
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