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Understanding How to Prepare for Borrowing Again

Understanding How to Prepare for Borrowing Again. Checking Your Credit Score. Credit Reporting Agencies. www.annualcreditreport.com Equifax www.equifax.com (800) 685-1111 Experian www.experian.com (888) EXPERIAN (397-3742) TransUnion www.transunion.com (800) 916-8800.

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Understanding How to Prepare for Borrowing Again

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  1. Understanding How to Prepare for Borrowing Again

  2. Checking Your Credit Score

  3. Credit Reporting Agencies www.annualcreditreport.com • Equifax www.equifax.com(800) 685-1111 • Experian www.experian.com(888) EXPERIAN (397-3742) • TransUnion www.transunion.com(800) 916-8800

  4. Preparing a Spending Plan • Determine your net monthly household income • Calculate your monthly expenses • Calculate your discretionary income

  5. Gathering Your Financial Records • Income tax returns and other income information • Bank statements • Payoff of existing mortgage • Copy of recorded deed to your home

  6. Gathering Your Financial Records • Homeowners insurance policy • Most recent property tax bill • Copy and description of home improvement plans if you are making renovations

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