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Have You Updated Your Credit Report Recently?

In case you haven't updated your credit score recently, now is the time to do it.  In today's lending market whether you are buying a home or a car, your rate and ability to purchase are credit score driven.

I suspect most of us have heard about the opportunity to obtain a “free”  credit report  from the three major reporting agencies every year allowing each of us to challenge any negative reporting, and then access our report for seven days after. You will be given a special report number – be sure and write it down – and you will need that in order to access any updates. I had one item on mine that was clearly bogus, and I challenged it as being untrue. I received an updated report that indicated it was removed. Credit Score Factors

In addition to checking your payment records, etc., it allows you to check the spelling of your name, any addresses that belong to you, and to correct any incorrect information! I cleaned mine up.


I recommend that anyone thinking of purchasing a home take advantage of this annual opportunity. NO ONE wants to be turned down for any kind of loan. This is just one way to be prepared.

Be sure and sign in and get your  free annual credit report here at: Annual Credit Report. Pay attention to the options of paying for any extras. You do not have to – unless, of course you choose to – pay for your FICO score, etc


Google Teri Ellis


Mesa, Arizona Real Estate. Call me at: 480.216-3334 for information on purchasing or selling a home in Mesa, Arizona or surrounding towns. OR email me: Feel free to visit one of my websites:, or stop by my blogs at: MesaAzRealEstateVoice and AzLadyInRed!

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Comment balloon 3 commentsAnn Dail • December 15 2010 11:08AM


I recently joined a service where it tells you if you have any inquiries or hits on your credit.

Posted by Lori Bowers, The Lori Bowers Group over 9 years ago

A good reminder we all need to take the time to make sure everything is up to par with our credit history before buying a home and yearly.

Posted by Pat Champion, Call the "CHAMPION" for all your real estate needs (Coldwell Banker Camelot Realty) over 9 years ago

A good tip to remind us to keep an eye on our credit reports too.  I try to remember to check mine twice a year.

Posted by Cynthia Grimes, "With You Every Step Home!" (eXp Realty, LLC) over 9 years ago