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  Friday September 03. 2010   Credit Basics Credit Fraud Credit Scoring How to Handle Inaccuracies









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Welcome To Credit Central


Consumer Credit Handbook
This 12-page booklet explains everything you need to know about managing your credit.


 


Save Thousands of Dollars in Unnecessary Interest Charges With
Grandview Lending
!

Whenever you are preparing to make a major purchase, you should make sure that YOU do a personal check of your credit report and scores a few months before seeking a loan of any kind. However, if you are like most busy people who have not done so, we are here to help. If you have not pulled your credit file recently, it is very important to limit the amount of inquiries you make as it can and will impact your credit scores. This can impact your interest rates and the terms of your home loan. Consumers should check their personal credit files every six months just to make sure that there are no erroneous reportings being made by creditors on your file that can cost you thousands of dollars in extra interest with inaccuracies. We highly recommend this because over 80% of all credit reports have inaccurate information currently reporting on them.

Before moving forward on your own we would like to welcome you to take advantage of our knowledge and the free resources available to you by making contact with one of our Senior Mortgage Specialists. We will be happy to assist you in fully understanding your rights and this delicate and sometimes confusing process. Credit bureau files can be hard for the average person with no experience to read, making this process a much more frustrating experience than it needs to be. We would like to see you avoid that frustration with one simple phone call to Grandview at no cost or obligation to you. We are here to help and look forward to your call or e-mail.  

Your Rights as a Consumer

You can order a credit report from all three credit bureaus - TransUnion, Equifax and Experian. At Grandview Lending we will gladly obtain your credit reports at no cost to you while beginning the process. We will schedule a free pre-consultation that works into your busy schedule with one of our Loan Specialists.   

Consumers may now check their credit reports once per year FREE in the state of Indiana with no "hard inquiry" or impact on your credit file. If after you consult with one of our Senior Mortgage Specialists you wish to proceed on your own, you can do so by ordering your reports with us. Visit The the "Contact Our Staff page" above to choose a Grandview Lending Location Near You.

This is a completely automated process and your reports are typically turned around in seven to ten days business days. To acquire your scores you must call again though after getting your reports in the mail. There is then a small fee of six to ten dollars per bureau.
 Most people are very busy and simply do not think about pulling  their credit reports several months before the loan process begins. We offer a stress free alternative with our no hassle, cost free option that is of value to you. Your Mortgage Specialist will be available to help you make these key life changing decisions fully informed with confidence. 


What Can I Do To Start Getting My Credit Scores Up! 

Start by making that one easy ten minute phone call to your Grandview Lending Mortgage Specialist. They will consult with you on how to properly and strategically raise your scores as quickly as possible. If your credit score is a little low, you should pay your bills on time, reduce your debt, remove inaccuracies and avoid new inquiries to give it a boost. Many people who take good credit for granted underestimate the amount of savings that can be realized from a good credit rating. The cost of checking your credit is minimal to the amount you may save from what you learn. We look forward to hearing from you soon. after reviewing the links above we will schedule a free consultation about all of our credit repair and rapid re scoring programs to see if you are a candidate for those particular programs. Visit The the "Contact Our Staff page" above to choose a Grandview Location Near You.

Thank you for your time


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Grandview Lending
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