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Credit Reports

Where to get your credit report

Visit web site or
call 1-888-397-3742



Visit web site or
call 1-800-888-4213



Your credit history is very important.  Identity Theft is the fastest growing crime in America, affecting half a million new victims each year. Stealing someone's identity can cost consumers thousands of dollars, it can often go undetected for months or even years.

Things you can do to help prevent Identity Theft:

  • Photocopy the contents of your wallet, copying both sides of each credit card. Keep the copies, numbers, and phone numbers of account contacts in a safe and secure place.
  • Do not give personal information over the phone, mail, or the internet unless you have initiated the call and you know the internet is a secure site.
  • Do not carry your social security card, passport, birth certificate unless necessary.
  • Do not print your social security or driver's license on your checks or other personal items, i.e. neighborhood watch engraved items.
  • Shred documents and pre-approved credit card applications you receive in your mail.
  • Never use you mother's maiden name, your birth date or the last four digits of your social security number as a password or pin number.
  • Order your credit report at least twice a year and review them for accuracy. Reports can be obtained from the three main credit reporting agencies.

Your Credit Score

Consumers hear a lot about the importance of having and maintaining a good credit score. A good credit score can mean lower rates on mortgages, auto loans and credit card interest rates. A credit score is a value assigned to several criteria used in making lending decisions. Criteria include the amount you owe on non-mortgage-related accounts such as credit cards, your payment history and your credit history. Credit scorers take information from your credit report and use a formula that calculates a value representing the amount of risk to a lender. The score that scorers use to calculate generally use information from one of the three main credit bureaus: Equifax, Experian, and TransUnion. Lenders also take into account: late payments, your income and earning potential, both indicators of your ability to repay the loan.

It is a good idea to make sure the data the credit bureaus have is consistent and current.  Pay your bills on time, don't max out your credit lines. By carefully managing your credit, it is possible to improve your score.

Our professional Loan staff will be glad to talk to you and answer any questions you may have about Credit Scores and ways to build your score.

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