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HOW TO REFINANCE MY HOME

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parodi

Joined: 10 Aug 2007
parodi's page
Posts: 1

126 Magic Points

Subject: HOW TO REFINANCE MY HOME

Fri Aug 10, 2007 8:41 pm

iWILL LIKE TO REFINANCE MY HOME BUT IDONT KHOW MY CREDIT SCORE

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 609

40 Magic Points

Sat Aug 11, 2007 10:40 pm

You can get your credit score from myfico.com. You can get a free credit report once per year from annualcreditreport.com.
_________________
I don't dream since I quit sleeping

gmakerley
Guest

Subject: refinancing

Fri Aug 17, 2007 1:52 pm

The only authorized service that reports credit is annualcreditreport.com. you can obtain your score from any of the services, but bear in mind that it will cost you. in addition, should you go ahead and contact a lender, that lender will also pull a credit report that you will ultimately pay for at closing.
my personal opinion is that we all know how well we pay our bills, and what our credit standing is. the score(s) are nice to know, but they are a mere indicator of what we should already know about ourselves.
a reputable lender will work with you, pull the credit report and analyze your situation to try to come up with the appropriate product for a refinance. lenders are also required to advise you of your scores.
i guess you can tell i am not an advocate of spending too much money for a credit score.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

35063 Magic Points

Mon Aug 20, 2007 6:59 am

Neither am I of the opinion that one can spend a lot on credit scores. Use the annual reports that you get from the three credit bureaus.
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Regards,
Laura.

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 609

40 Magic Points

Mon Aug 20, 2007 10:31 am

I agree. I've purchased my score but once, and will do so again only when I'm going to buy a car. Maybe I'll open a wamu account to get a free score...
_________________
I don't dream since I quit sleeping

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

35063 Magic Points

Mon Aug 20, 2007 11:52 am

Could you tell me about this wamu account?
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Regards,
Laura.

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 609

40 Magic Points

Mon Aug 20, 2007 7:17 pm

Wamu informs you whenever your score fluctuates by 20 points...and I'm pretty sure they give you your FICO. I don't actually know what type of account it is...I suspect it's a credit card.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

35063 Magic Points

Tue Aug 21, 2007 5:13 am

Thanks a lot for the information morningstar. I do not know much about Washington Mutual thats why I asked.
_________________
Regards,
Laura.

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