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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


Time Existing




Account Variety


New Credit

My Lending Pal In

MyLendingPal, Inc

NMLS #1734346

Founded in 2018, MyLendingPal is dedicated to making the home buying and refinancing process as smooth and efficient as possible. We understand that navigating the mortgage landscape can be daunting, which is why we are committed to providing personalized service, competitive rates, and a streamlined experience.

Our Mission: At MyLendingPal, our mission is to empower you with the knowledge and tools necessary to make informed decisions about your mortgage needs. Whether you’re a first-time homebuyer or looking to refinance for better terms, we are here to guide you every step of the way. Our goal is to simplify the mortgage process and help you achieve your financial goals with confidence.

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