Connecticut Mortgage, Refinance Credit Reports ( CT )

Free credit report at http://www.annualcreditreport.com/

When refinancing your current Connecticut mortgage or applying for a new mortgage, getting your free credit report is easy. There is no charge for obtaining your credit report via the above link.  Our cost of obtaining a tri-merge credit report is sixteen dollars. Advise "U" never charge more than the true cost of the credit report.

A tri-merge credit report is a compilation report of all three credit bureaus. When applying for a mortgage, a single credit report is not sufficient, a tri-merge credit report is required. Mortgage lenders evaluate the three credit scores and use the middle score for lending purposes. 

Each time your credit is checked a record is added to your credit report. If there are to many checks on your credit in a short period of time your score may be negatively impacted. At a minimum, the credit checks will be displayed to all subsequent creditors, who may be more cautious if they see to many credit checks.

Credit scores range from about 375 to 900. A score of 700 or above is normally required for the lowest interest rates available. 620-699 for average interest rates. And 500-619 for B&C loan programs.

Credit Reporting Companies

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
Phone: 800-685-1111
Internet: www.econsumer.equifax.com

Experian
955 American Lane
Schaumburg, IL 60173
Phone: 888 397 3742
Internet: www.experian.com

TransUnion
Post Office Box 2000
Chester, PA 19022
Phone: 800-888-4213
Internet: www.transunion.com 

Get your report online at http://www.annualcreditreport.com/ there is no cost associated with obtaining your free credit report on this web site.  No credit card information required.  This is the only place we have found that you can truly obtain a copy of your credit report free of charge on the internet.