Are you worried about your credit history? Just about everyone has something in their past credit that is less than perfect. The most important thing is to learn what is on your report, determine what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done.

Mortgage loan options are rated by credit and credit scores.  The higher the credit score, the more loan options you may have. 

There are three main credit bureaus that most creditors (such as credit card companies, banks, leasing companies, etc) provide information to on a monthly basis. Each month, your credit holders report information to the credit bureaus about your current balance, minimum payment requirements, and credit history. If you need specific information from one of the major credit bureaus, following is the contact information for each of them:

Experian Information Service (XPN)
PO Box 2002
Allen, TX 75013
(888) 397-3742

TransUnion (TUC)
PO Box 1000
Chester, PA 79022
(800) 916-8800

Equifax Information Services (EFX)
PO Box 740243
Atlanta, GA 30374
(800) 685-1111

To order a free credit report and analysis, please call us at (325) 659-5850; or Click here to e-mail your request.