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Understanding

your credit

What does your credit report say about you?

What does your credit say about you?

Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.

What makes up your credit report?

Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.

What is reported?

A few of the items reported on your credit may include:

  • Credit Cards
  • Department store cards
  • Gas cards
  • Bank cards
  • Airline cards
  • Installment Loans
  • Mortgage loans
  • Auto loans
  • Student loans
  •  Utilities
  • Rent (sometimes)
  • Collections or judgements
  • Bankruptcies

What does your credit history look like?

Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.

Payment History

35%

Time Existing

15%

Debt

30%

Account Variety

10%

New Credit

10%

Diandrai Webb

Producing Branch Manager   //  Retail   //  NMLS #893074

Diandrai (D’Andre) Webb is a Mortgage Banker – Renovation Specialist in Overland Park, KS. He has over a decade of residential real estate finance and renovation home lending experience. Diandrai can offer a variety of Mortgage Programs but specializes in Renovation Mortgage Programs such as the FHA 203k, Fannie Mae HomeStyle (Conventional Renovation Loan Program), VA Renovation Loan Program, as well as 100% financing of Purchase Price and Renovation Budget.

Diandrai earned a Master’s Degree in Business Administration (M.B.A.) from the University of Central Missouri in Warrensburg, MO with an emphasis in Marketing & Finance in December of 2002. Diandrai is currently licensed in KS, MO.

info@everythingrenovation.com(913) 215 0090
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Diandrai Webb Mortgage-Renovation
Diandrai Webb Mortgage-Renovation

Diandrai Webb

Loan Officer  //  Renovation Specialist  //  NMLS #893074

Diandrai (D’Andre) Webb is a Mortgage Banker – Renovation Specialist in Overland Park, KS. He has over a decade of residential real estate finance and renovation home lending experience. Diandrai can offer a variety of Mortgage Programs but specializes in Renovation Mortgage Programs such as the FHA 203k, Fannie Mae HomeStyle (Conventional Renovation Loan Program), VA Renovation Loan Program, as well as 100% financing of Purchase Price and Renovation Budget.

Diandrai earned a Master’s Degree in Business Administration (M.B.A.) from the University of Central Missouri in Warrensburg, MO with an emphasis in Marketing & Finance in December of 2002. Diandrai is currently licensed in KS, MO.

info@everythingrenovation.com(913) 215 0090
FacebookLinkedInZillow