When applying for a mortgage whether it be for purchase or refinance a tri-merge credit report is pulled for an evaluation of the clients current and past credit history.
Depending on the creditor they many report to one or all bureaus. Credit scores can vary between agencies so to qualify for financing I will work off your middle credit score to determine your rate.
It is a great idea to get a credit analysis at least once a year. In doing so you can keep on top of your credit report and quickly take care of any discrepancies.
The bureau information is as follows:
Experian Consumer Relations, 888-397-3742, P O Box 2002, Allen, TX 75013 www.experian.com
Equifax Consumer Relations, 800-685-1111, P O Box 740241, Atlanta, GA 30374-0193 www.equifax.com
TransUnion Consumer Relations, 800-888-4213, P O Box 1000, Chester, PA 19022 www.transunion.com
The above addresses would be where disputes are mailed to the individual bureau. I suggest dispute be sent certified mail return receipt requested. Credit bureau has 30 days to investigate and then derogatory is either confirmed or removed.
Yours to Count On,