With identity theft on the rise, consumers are becoming increasingly aware of the importance of reviewing their credit reports. However, their thoughts about credit and its long-term impact upon their financial future typically end there until it's time to apply for a home loan. A credit score is used to evaluate how likely a borrower is to repay their loan. There are several actions a person can take to impact their score. Here are a few to keep in mind. You may "Opt-Out" Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. www.optoutprescreen.com Don't pay for a copy of your report Order your FREE credit report and it is really FREE at www.annualcreditreport.com You are entitled to one free report every year. |
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Mortgage Interest Rates for Fixed and Variable Rate Mortgages* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rates as of Friday, 16th April, 2010: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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*Rates are subject to change due to market fluctuations and borrower's eligibility. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Richard Woodward
Envoy Mortgage
17311 Dallas Parkway Suite 173
Dallas, Texas 75248
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