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What does your credit report say about you?

What does your credit say about you?

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 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
  •  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.

Payment History


Time Existing




Account Variety


New Credit

HomeWise Capital Advisors Mortgages

HomeWise Capital Advisors

NMLS #891464

A house is more than a home. It’s a unique tool that can be used to provide for you and/or your family’s goals and other needs and we get your concerns. You want to know how much home you can really afford. At HomeWise Capital Advisors we are transforming the home financing process by combining our decades of mortgage lending experience with our capabilities as Series 65 licensed Financial Advisors.  This unique blend of capabilities allows you to see the path ahead. 298 7868
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