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your credit

What does your credit report say about you?

What does your credit say about you?

Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.

What makes up your credit report?

Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.

What is reported?

A few of the items reported on your credit may include:

  • Credit Cards
  • Department store cards
  • Gas cards
  • Bank cards
  • Airline cards
  • Installment Loans
  • Mortgage loans
  • Auto loans
  • Student loans
  •  Utilities
  • Rent (sometimes)
  • Collections or judgements
  • Bankruptcies

What does your credit history look like?

Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.

Payment History


Time Existing




Account Variety


New Credit


Fernando Cazares

Loan Officer  // NMLS #1483931

I was born and raised in Albuquerque New Mexico. As your mortgage loan expert I will use my knowledge and abilities to provide you the best loan to fit your needs. I have been servicing Albuquerque, Santa Fe and surrounding areas throughout the entire State of New Mexico. My goal is to make your buying or refinance experience seamless with an amazing experience and exceptional customer service. I work closely with different type of buyers from first-time home buyers to investors. 417-7500Apply Now

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