| Credit Program |
| More than 70% of all credit reports contain errors. The Credit Program at People's Choice Mortgage removes inaccurate information from credit reports that can negatively affect credit scores for a minimum of seven years. A low score can be devastating, affecting a persons ability to buy a home or obtain credit cards and other types of financing. A low score can disqualify one from renting, negatively affect an employment decision, influence insurance rates and even determine the level of medical care one receives. |
| Although consumers can challenge the credit bureaus independently, at no monetary cost, it is often a frustrating process that can be time consuming and difficult at best. At worst, the system can be tough to navigate and grueling to decipher. |
| Be an informed consumer and check your credit. |
| The three major credit bureaus Experian, Equifax and TransUnion use a scoring system to create your score developed by Fair Isaac. It is called a FICO score. It ranges between 350-850 and is determined by a large number of factors including payment history, account balances, public records, number of inquiries and length of credit history. You can access your own credit report by contacting the three bureaus directly. |
Experian 1-888-EXPERIAN (397-3742) www.experian.com
Equifax 1-800-685-1111 www.equifax.com
TransUnion 1-800-916-8800 www.transunion.com
Always select the option that includes your FICO score |
| For more information and assistance contact us |
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