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Almost everyone when deciding to purchase a property has to resort to some source of financing. Mortgage loans are the most suitable financial tool for that purpose. However, given that mortgage loans approval process require credit checks and some income prerequisites, you...
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To determine your maximum mortgage amount, lenders use guidelines called debt-to-income ratios. This is simply the percentage of your monthly gross income (before taxes) that is used to pay your monthly debts. Because there are two calculations, there is a ¨front¨ ratio and...
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The fact that credit-reporting industry appears confused is because there are different types of credit reports that are issued. Every credit report provider though uses a different layout style, but they provide the same information.
The credit report generally contains...
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Sometimes due to being to excited about getting your new property you can inadvertently close on a mortgage packed with hidden fees or costs that may cost you a lot of money over the whole life of the loan. In order to avoid such situations, you need to be well aware of what...
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Just because it has never happened to you doesn´t mean you shouldn´t worry about credit fraud with lost or stolen credit cards as it affects one and all. Criminals using credit fraud for availing goods and cash puts the burden of the loss on the credit card issuer. It covers...
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Regular review of the accuracy of all information contained in your credit report is as important as an annual or biannual health check up. Several things like loan approval, insurance or even employment is dependent on its accuracy. If you don?t carry out these credit checks...
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