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
- Â 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.
Elementary Lending
Licensed In : Michigan, Indiana and Ohio | NMLS #1321438
Your Mortgage, Made Elementary
Elementary Lending is a trusted mortgage brokerage serving Michigan, Indiana and Ohio. We simplify home financing with fast, digital quotes, a smooth online process, and closings in 25 days or less.
From first-time buyers to seasoned investors, we offer personalized loan solutions—FHA, VA, jumbo, reverse, commercial, and more.
We’re more than lenders—we’re advocates. With honest guidance, competitive rates, and expert support, we help you finance, refinance, build, or renovate with confidence.
