 708-597-8884 - S.W. |
Your Definitive Source for Information about Credit Reports and Credit Scores
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Our guiding principle: Envision Mortgage Solutions thrives only on honesty, on honor, on the sacredness of obligations, on faithful dedication to our clients and colleagues, and on unselfish performance. Without them, it cannot live. |
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Envision Mortgage Solutions is a local company with 2 locations to serve you: Crestwood Office
4731 Midlothian Tpke #32
[contact us] [directions]Crestwood, IL 60445 [708] 396-2144 Schaumburg Office
1051 Perimeter Drive, Suite 900
[contact us] [directions]
Schaumburg, IL 60173 [888] 536-8474
Licensed with the Illinois Department of Banks & Real Estate # MB.6759105 and is a member in good standing with the Illinois Association of Mortgage Brokers www.iamb.org, the National Assoc. of Mortgage Brokers, and the Illinois Secretary of State. |
How To Improve Your Credit
If you have had credit problems, be prepared to discuss them honestly with a mortgage professional. No one has any interest in passing judgment on you. Responsible mortgage professionals know that there can be legitimate reasons for credit problems, such as unemployment, illness, full time care of a friend or family member or other financial difficulties.
ABC's of Mortgage Credit
Mortgage companies grade your loan based on certain credit-related items such as payment history, amount of debt payments, bankruptcies, equity position, and your credit score.
Credit Scoring Guide
Credit scoring is a statistical method that lenders use to quickly and objectively assess the credit risk of a loan applicant. The score is a number that rates the likelihood that you will pay back a loan. Scores range from 450 to as high as 850 with higher being better.
Credit Reporting Agencies
Credit Reporting agencies collect information about you and your credit history from public records, your creditors and other reliable sources.Learn more...
How To Correct Errors
You have the right under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.
Credit Profiles
Your credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you..
Credit Inquiries
The Fair credit Reporting Act (FCRA) outlines specifically who can see your credit profile. Businesses must have a "legitimate business need," and a "permissible purpose," as stated in the federal law to obtain your credit file.
Credit Questions & Answers
It's never fun to be turned down for a loan, but before you think you won't be able to get credit anywhere, there are some steps you can take.
FICO Scores
Credit scoreing places you in one of three general categories. If you have a score of 680 or above, you may be considered an a+ borrower.
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