What does your credit report say about you?
Understanding your credit
What does your credit say about you?
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.
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
- Â 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.
Founder
Mark R. Sgromolo | Founder & President
With 30 years of mortgage lending experience, Mark founded HarborPoint Mortgage LLC to give clients the best of both worlds: highly competitive financing and exceptional personal service. From the initial consultation to closing, Mark ensures every borrower receives clear options and honest communication. A resident of Myrtle Beach, Mark spends his free time traveling, golfing, cooking and spending time with his loved ones.
Options
CLEAR · COMPETITIVE
Communication
HONEST · INFORMED
Service
PERSONAL · EXCEPTIONAL
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