A Primer on Credit Reporting Agencies
Courtesy of the Home Building Suite
What is a credit report?
Your credit history and other personal information are collected and filed with credit reporting agencies (CRA), such as TransUnion, Equifax and Experian. The CRA can legally sell this information to businesses that have the lawful right to obtain and use your private information when you apply for credit, insurance, or employment. If you have ever applied for a charge account, personal loan, insurance, or job, you have a credit record on file at a CRA. Your credit record contains information about your debts, credit history, employment, law suits, arrests, bankruptcies and other personal details.
Since over 2 billion credit reports are sold to businesses annually, most American consumers have their credit reports examined several times each year; and based on these reports, businesses are making Important decisions about our finances and employment. Considering this, it is surprising that only a small percentage of us ever bother to ask for and receive copies of our credit reports...
Construction Loan Terms and Conditions
By Mark A. Smith: Author, The Owner-Builder Book
Save More Than $100,000 in the Construction of Your Custom Home
When getting ready to visit a lender regarding your loan, consider the terms and conditions of the construction loans available before you choose. Lay out a spreadsheet of the loan differences discussed below and others you are concerned about. Before you see lenders, call and ask their policy on the key terms. After you present your case to a lender, talk through their terms using your checklist. If you are considered a good candidate, the lender will negotiate any or all of the terms...
Home Construction Mortgage Resources and Information
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