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.
Understanding your credit
What does your credit report say about you?
What does your credit say about you?
Credit Report
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.
Experience That Goes Beyond the Loan
Meet Matt Roth
Real Estate Broker | Mortgage Loan Broker | Rocket Pro Partner
With 33+ years of experience in California real estate, Matt Roth brings a unique advantage to the mortgage process: he understands both the financing and the real estate transaction. His reconciled sales history includes 87 unique closed real estate sales totaling $57,291,499 across TheMLS and SDMLS, excluding leases, rentals, and duplicate transactions.
As a California Mortgage Loan Broker partnered with Rocket Pro, the wholesale division of Rocket Mortgage, Matt helps homebuyers, homeowners, and real estate investors explore competitive financing solutions while providing personalized, hands-on service from application through closing.
Originally licensed in California on April 7, 1993, Matt obtained his Real Estate Broker license on July 6, 2004. He understands the offer, appraisal, contingencies, escrow, and closing process—and what it takes to keep a transaction moving.
Matt Roth | CA DRE #01153470 | NMLS #1986483 | Co. NMLS #2102875
SCAN TO START YOUR LOAN APPLICATION
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