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Subprime mortgage facts


Published : Fri, 23 Feb 2007 21:17
By : Agencies
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(AP) - CREDIT BUREAUS: Information for credit reports is gathered by the three major credit bureaus -- Equifax, Experian and Trans Union.

CREDIT SCORES: The bureaus consider outstanding debt, length of credit history, late payments, collections, bankruptcies, new applications for credit and types of credit in use. The higher the credit score, the better chance of loan approval and a lower interest rate.

IMPROVING YOUR SCORE: Pay bills on time, pay down credit card balances and avoid new debt.

CHECKING YOUR SCORE AND CREDIT REPORT: Information is available online at http://www.myfico.com, http://www.equifax.com, http://www.experian.com, and http://www.transunion.com.

Copyright 2007 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

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