Credit Affects:
- Obtaining A Mortgage
- Student Loan
- Automobile Loan
- Credit Card
- Employment
- Insurance
- Renting Property
- Utilities
Credit Report:
- Provides information from your credit file that is maintained by consumer reporting companies (Equifax, Experian, TransUnion)
- Report contains: Personal Information such as current and previous addresses, birth dates, current and previous employers; Credit History includes dates accounts were opened, credit limit , payment history, account status; Credit Report Inquiries; Public Records includes liens, bankruptcies
Credit Score:
Impacted Positively By:
- On Time Payments
- Length of Credit History
- High Percentage of Available Credit
- Variety of Credit – Automobile, Home, Credit Card
Impacted Negatively By:
- Late or Missing Payments
- Too Many Credit Inquiries
- Low Percentage of Available Credit
- Liens, Bankruptcy, Foreclosure, Short Sale
Credit Disputes:
Equifax Information Services LLC’
P O Box 740256
Atlanta, GA 30374
(866) 349-5191
www.equifax.com
Experian
P O Box 9554
Allen, TX 75013
(888)-397-3742
www.experian.com
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
(800) 916-8800
www.transunion.com
Contact me today to assist you!
Sharon Williams
Loan Officer
NMLS #237222
310-993-8569
Sharon@WatersRealEstateServices.com
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender
The services referred to herein are not available to persons located outside the state of California.
C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.
NMLS Consumer Link – //www.nmlsconsumeraccess.org
