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. 

Mortgage loan options are rated by credit, labeled like school grades - "A" credit is the best, then down to A-, B, C, etc. Even if you do not have an A credit rating, we can let you know what your options are if you fall into an A- or lower category.

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, the 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 please call us at 951-785-1170; or Click here to e-mail your request.