MORTGAGE RULES -changes go into effect today! As of October 17 2016 If you have less than 20% down and have been pre-approved you will need to be pre-approved againunder the new guidelines. Approvals will be "stress tested" to ensure that you can handle higher interest rates. If you are looking at a High-Ratio mortgage deal and currently shopping for houses you need to set up a time to take care of this right away so you are shopping in the right price point as your maximum purchase power…
This actually does give you a free report, not your score, but will tell you any negative hits you have. Good idea to check this every now and then and make sure you are doing great!
Resolve to monitor your credit reports more closely. Every consumer is entitled to a free credit report (www.annualcreditreport.com) once a year from Equifax, TransUnion, and Experian. Set up a schedule to review a report for each spouse from each of the three major credit reporting agencies throughout the year. This strategy can give you access to a free credit report every two months. You will be able to see indications of identity theft and take appropriate actions much more quickly.
Under a major overhaul by the credit bureaus announced Monday, unpaid medical bills will be treated differently and errors on your credit report could become easier to fix. The changes, applauded by consumer advocates, come as a result of an agreement between the big three credit bureaus, Experian, Equifax and TransUnion, and New York Attorney General Eric [...]