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
- Â 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 Remily
Loan Officer/Financial Advisor // Â NMLS #504054
Jeremy began his career in the mortgage industry over 15 years ago. From the beginning, Jeremy made it his mission to surround himself with true professionals who share the same beliefs and passions as he does; this has always been one of Jeremy’s top priorities. Jeremy’s success is a direct result of his dedication and commitment to his clients and the industry as a whole. Jeremy and his team’s daily goal is to provide their clients with a unique mortgage shopping experience like no other. Jeremy’s clients become his friends, and these friends refer their friends and family to Great Plains Capital Mortgage, and this is how Jeremy and his staff measure success.
Jeremy possesses expertise in all secondary market financing options as well as FHA, USDA and VA loans.
Jeremy is skilled in all facets of mortgage brokering, including the origination of new business, processing, underwriting, and closing files.
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