Envision Mortgage Solutions. Go ahead...Envision a better life!

708-597-8884 - S.W.
847-709-2005 - N.W.
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Definitive information about Home Buying, Mortgages, Credit and Financial Recovery.

Get information & straight answers to all of your mortgage questions, no fluff, no hype, no pressure.

 

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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 an Illinois Residential Mortgage Licensee and a local Chicagoland company to provide personal service:

Crestwood Office
4731 Midlothian Tpke #32
Crestwood, IL 60445
[708] 597-8884
[contact us] [directions]

Licensed with the Illinois Department of Financial & Professional Regulation # MB.6759105 and is a member in good standing with the Illinois Association of Mortgage Professionals www.iamp.biz, the National Assoc. of Mortgage Brokers, and the Illinois Secretary of State.

Licensed by the Commissioner of the Indiana Securities Division # 05-0413 LB and is a broker in good standing in accordance with the provisions of Indiana Code 23-2-5.

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. Otherwise, only you, and only those who you give written permission, can access your credit files. Your neighbors, friends, co-workers, and even your family members cannot have access to your credit profile unless you authorize it.
Credit Links
Improve Your Credit
Credit Grades
Credit Guide Scoring
Some examples of those who can access your credit files are:

  • Credit grantors
  • Collection agencies
  • Insurance companies
  • Employers
Any company that receives a copy of your credit profile will be listed under the "Inquiry" section of your report. An "inquiry" is a listing of the name of a credit grantor or authorized user who has accessed your credit file. Credit grantors post an inquiry before offering you a pre-approved credit card application. These are listed as "promotional" inquiries on your credit file because only your name and address were accessed, not your credit history information. They are NOT sent to credit grantors or businesses for reasons of credit reporting. They are listed for your informational purposes only.

The Fair Credit Reporting Act (FCRA) is the federal law regulating credit reporting companies like Equifax, Experian, and TransUnion. It has been in effect since 1971 and undergoes periodic revisions by the Federal Trade Commission. This law protects consumers' rights such as the right to review and contest information in their credit profiles. It also specifically defines who can access the information in a credit profile, and how you are notified of this activity.

 
Envision Mortgage Solutions. All Rights Reserved.
Envision Mortgage Solutions is an Illinois Residential Mortgage Licensee.