Florida Homes Mortgage
Florida's Trusted Mortgage Experts
View a sample credit report to understand what information is included and how to read your own credit report.
A credit report is a detailed summary of your credit history. It includes information about your credit accounts, payment history, inquiries, and public records. Understanding how to read your credit report is the first step to maintaining good credit.
Your name, current and previous addresses, Social Security number, date of birth, and employment history.
Details of your credit cards, loans, mortgages, payment history, credit limits, and account balances.
Records of who has viewed your credit report. Hard inquiries affect your score; soft inquiries do not.
Bankruptcies, foreclosures, tax liens, and judgments that appear on your credit report.
When you receive your credit report, review it carefully for accuracy. Look for:
⚠️ Important: If you find errors on your credit report, dispute them immediately with the credit bureau. You have the right to dispute inaccurate information under the Fair Credit Reporting Act (FCRA).
Under federal law, you are entitled to one free credit report every 12 months from each of the three major credit bureaus:
The only official source for your free annual credit report is:
This is the only website authorized by federal law to provide free credit reports.
Review your credit report for errors and understand your credit score. A good credit score can save you thousands on your mortgage.
Your credit is your financial future. Let's make sure it's accurate and working for you!
"Miguel sat down with me and explained my credit report line by line. He showed me what was hurting my score and gave me a plan to fix it. Within 6 months, my score jumped 80 points and I qualified for a great rate!"
"I never understood how credit scores worked until Miguel explained it using a sample report. He showed me exactly what lenders look for and how to improve my score. Now I'm a homeowner!"
"Miguel reviewed our credit reports and found errors we didn't know about. He helped us dispute them and our scores improved significantly. His knowledge of credit reporting saved us thousands on our mortgage."
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