It is important to annually check your credit report to make sure it is accurate and up to date. It affects your personal financial accounts and loan rates when you’re ready to make a large purchase. Yes, reading your credit report can be confusing. No, you’re not the only one.

We’re here to break down the credit report to make it easier for you to read an...

Homes in southern California are at a record high and it doesn't show that the buying market is slowing down either.

Based on the article from National Mortgage Report, prices for homes have been on the rise for the more than five years. This is because of the growing economy, mortgage being lower than ever and a shortage of homes for sale.

As hard as it ma...

In the beginning of this August, major changes may have impacted millions of consumers who are looking to be qualified for home loans.

The first to change is that three of the biggest credit reporting agencies have decided to remove and exclude tax liens and civil judgment from consumer credit reports if the negative information does not include the custom...

As home purchases rise and competition heats up, lenders have to start thinking creatively to stay in the game. With technology continuing to become part of our everyday lives, lenders are finding new ways to take advantage of the technology that is available in the market.

After long discussions and plenty of research, we have gathered 4 steps that will h...

What is a rapid rescore? Simple! It’s a rapid process where some lenders and brokers help fix the errors and boosts your credit score to the credit bureaus.

A rapid rescore is a 2 step process. First, the mortgage lenders must verify and update the information, then your credit report is submitted to the credit bureaus.  

Although the process may only be 2...

Fannie Mae has announced that it will implement Desktop Underwriter® (DU®) Version 10.0 starting September 24, 2016, which will require lenders to use tri-merge reports containing trended data from Equifax and TransUnion. Trended credit data will enhance the static snapshot of a consumer’s credit balances with up to 24 months of historical data, such as p...