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If you’re thinking about stepping forward and purchasing a home (or making a purchase in general, say a car) and not paying cash, whoever is providing financing is going to check your credit immediately.
You can get one step ahead in this process by contacting each of the credit reporting bureaus (Experian, Equifax and Transunion) and request a credit report. It’s FREE and you can do this once a year and you should contact each bureau because all have different procedures collecting your infomation. You’ll need to provide name, address, birthday and social security number but these company’s websites are secure. The only thing you won’t get is your actual credit score but at least you’ll be able to check for judgements or incorrect information (which you can correct). I mentioned checking each bureau because the prospective lender will request a tri-merge report to compare the information.
To get started click here and you will be taken to the annual credit report website where you can select the credit bureaus. Once on a bureau website you’ll be asked for personal information in the process. There are links which will allow you to get your credit score but this will cost $7.95 or so. Also, checking your credit report will not count as a formal request which will show up on your report.
