Minnesota home loans: Checking Credit Karma, Equifax, Trans Union, Fico, or Experian yourself online
I’ve had people come to be asking to connect with a loan expert because they have questions about what they qualify for based on their credit score.
They may only know their credit Karma score which lenders don’t use and I haven’t found that number to mean much to a loan expert. It’s a great conversation starter and I’m sure it helps people understand about their credit history.
Many people will monitor and check their costumer credit score on equifax, experience, or trans union and be able to track alerts or identity theft and get a pretty accurate idea of the score a lender would see and what credit history a lender would see.
Checking your credit online can be cool also as you can test what-if scenarios like if you paid off a couple credit cards or paid down a couple of balances would credit score would you have with the next update and when.
We’ve been able to do rescores with those who are very close to a 580 score like a 570 score. It helps to know this data and what you are dealing with.
Knowing you have a great credit score is a powerful thing and keeping it accurate and up to date is also. Year after year I always see that Minnesotans are #1 in the nation for the average highest credit score.
If you are looking into buying and have an idea what your score is and you may be able to qualify for a loan then we could look at a loan expert pulling your credit score with the 3 credit bureaus so we know if you are disqualified, have a chance to qualify, or just need a little credit help to have your score go up.
It’s not uncommon for the 3 main credit bureaus to reflect different info and have very different credit scores from 300 to 850. I see most in the 500s and 600s for scores and often many have a good chance based on that.
I hope to here from you soon on live messenger chat