When applying for a mortgage, unexpected credit report issues can derail your loan approval. One such issue is dispute wording on your credit report. While disputing inaccurate information is a consumer right, removing dispute wording improperly can cause more harm than good. How Does Dispute Wording Get on Your Credit Report? Dispute wording can be…
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At Northeast Financial, we understand how confusing credit scores can be—especially when the score you see on apps, bank statements, or credit card accounts doesn’t match the one your lender pulls during a mortgage application. If you’ve experienced this discrepancy, rest assured it’s completely normal and happens for a good reason. Different Scoring Models for…
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When you’re applying for a mortgage, one of the key factors that lenders look at is your credit score. Mortgage lenders typically use FICO® Scores from each of the major credit bureaus—Experian, TransUnion, and Equifax—to determine your eligibility and the terms of your loan. These scores help lenders evaluate the risk of lending you money.…
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If you’re tired of receiving endless credit card offers in your mailbox or fielding dozens of calls every time someone checks your credit, you have options. By opting out of unsolicited credit and insurance offers, you can keep your personal information private and, as a bonus, may even see a slight boost in your credit…
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When navigating financial decisions, understanding how different types of credit inquiries affect your credit score is essential. Here’s a breakdown of “soft” and “hard” credit pulls, what they mean for your score, and tips to keep your credit healthy. Soft Pull: Checking Your Own Credit A soft pull occurs when you check your own credit…
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Your Northeast Financial Staff (844) 788-7237 info@northeast-mortgage.com NMLS#117273
When applying for a mortgage, you may want to see what your credit is BEFORE you apply. Many people rely on Credit Karma or other companies like them to track their credit and keep an eye on their credit scores. What most people don’t know is that the algorithm, (the procedure the Lender uses to…
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