Add 10 points to your credit score
Tue, Mar 9, 2010
Here is a helpful tip from a smart loan officer - Ryan Halldorson. His contact info is below if you need some advising about getting a mortgage loan. -Becky
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Want to add roughly 10 points to your credit score and get a lot less junk mail? Logging in to www.optoutprescreen.com will keep Experian/Equifax/TransUnion from selling your credit information to credit card and insurance companies that in turn offer pre-approved credit card and insurance offers to you. The credit scoring formulas view “opting out” positively since it removes the constant temptation of obtaining new debt. This results in higher credit scores according to most credit experts. The government forced the credit bureaus to offer this choice to consumers. Along the same lines, the government requires that Experian/Equifax/TransUnion give you a copy of your credit report for free once per year via www.annualcreditreport.com or 877.322.8228. They will charge you $10 to give you a score but they each have to give your report for free. This service is also the best mechanism to dispute inaccurate information on your credit report.
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Interest Rates as of 3/4/2010
Rates based on a 200k Primary Residence Purchase (or a no cash out refinance), 720+ Credit, Full Doc Income Verification, paying one “point.” Please note, this information is intended for Real Estate Professionals. 80% 30 year Fixed = 4.875% |
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Please feel free to call or email for prequalifications, LSR’s, and any financing questions that you have.
Best Wishes,
Ryan Halldorson
Smart Financial Mortgage
Senior Mortgage Consultant
3131 E Camelback #120
Phoenix, AZ 85016
Phone: 602.793.7204
E-Fax: 602.889.2258
ryan@hsmove.com |
Tags: credit score increase, free credit report, junk mail, opt out
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