Credit Reports

It is advisable to obtain a copy of your credit report before starting the home buying process. There are several ways to get your credit report.

It is advisable that you have us run your report. The reports we get include the credit scores from all three credit reporting bureaus. (TransUnion, Experian and Equifax). The algorithm used for our reports is the same one that lenders use for mortgage applications. The link to the form is below.

English Form: https://mvhp.org/wp-content/uploads/2022/01/Credit-Report-English-Fillable-1.pdf

Spanish Form: https://mvhp.org/wp-content/uploads/2022/01/Credit-Report-Spanish-Fillable.pdf

To obtain your credit report yourself click on the link below:
https://www.annualcreditreport.com

You can receive one free credit report per year from each of the three credit reporting bureaus. Be aware that free credit reports do not include scores. Each credit reporting bureau charges a fee to provide the score.

You can also obtain a report by mail or by phone by contacting the individual credit bureaus. They are Equifax, TransUnion, and Experian.