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Applying for a Loan?--Start by Ordering Your Credit Report

If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate.

Studies have shown that many credit files contain inaccuracies that could affect your credit rating, and even lead to the rejection of a loan application. That’s why reviewing your credit report beforehand may be a good idea, giving you time to dispute any items that may be the result of simple human error or a technical glitch.

And depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, different lenders may apply different standards in rating your credit worthiness. For this reason, reading your credit report and understanding how your credit data might be interpreted may give you a chance to improve your credit worthiness from the point of view of a lender. If you would like to get a free copy of your credit report call 949-249-0273

Before you begin the application process, check your credit report for the following items:

Clerical Inaccuracies

Sometimes credit reports contain inaccuracies that are the result of a computer glitch or a clerical error. These may include payments not credited, late payments, or data mixed in from a credit file of someone with a name similar to yours. Ordering your credit report will quickly show you what the lender will see--then it’s up to you to dispute any information that you consider inaccurate. If you would like to get a free copy of your credit report call 949-249-0273

Excess Unused Credit

To make your credit more attractive to a potential lender, you may wish to consider reducing the number of revolving charge accounts that are listed as active on your credit report. Lenders will sometimes view too much revolving debt as a negative when considering a loan application.

In situations where you have stopped using a credit account, it is often a good idea to close the account if you don’t plan to use it anymore. Make sure your creditor notates the account “closed at consumer’s request”--otherwise, a prospective lender might assume the creditor closed the account for other reasons.

A few credit cards managed well may improve your chances for a loan--particularly a mortgage loan, where lenders use stricter qualifying guidelines. Another rule of thumb is to keep balances on credit cards around 75% of the available credit limit. Ironically, credit cards that have lots of room on them may be viewed as potential debt, while maxed-out cards make you a less desirable credit risk--both of these situations could compromise your ability to obtain a loan.

If you would like to get a free copy of your credit report call 949-249-0273

30-day and 60-day Late Payments

Even if your credit report contains a couple of 30-day late payment entries that are accurate, many lenders will overlook the occasional late payment if you explain the situation and your credit is otherwise good. Try to avoid any payment being 60 days late however, as this may be a red flag for some lenders--even if they do grant you the loan, it may come at a higher rate of interest and with less favorable terms.

The primary period lenders are interested in on a credit report is the last two years, so try to maintain on time payments, and verify that the payments are being credited properly by checking your credit report regularly. If you would like to get a free copy of your credit report call 949-249-0273

Avoid Unnecessary Inquiries

Each time a prospective creditor looks at your credit report, an inquiry notation is added to your file, and most inquiries stay on your credit report for up to two years. Inquiries you make yourself, inquiries made during screening for a pre-approved offer of credit, or an inquiry that is part of a background check for employment purposes are not reported to potential credit grantors.)

It is best to avoid over-applying for credit and running up excessive inquiries, for the simple reason that lenders of creditors may think you’re trying to get credit due to financial difficulty, or taking on more debt than you can repay.

Lenders do of course realize that some inquiries are a result of shopping around for the best rates on a loan, and so they will often overlook a block of inquiries within a very recent period. It may help if you explain the inquiries in the application process. If you would like to get a free copy of your credit report call 949-249-0273

Understanding how your credit report affects your financial future is the key to smart credit management. Incorporating a review of your credit report into your financial planning is also one of the best ways to make sure you meet your goals--especially when those goals involve major purchases, and you’re shopping for a loan with the most favorable terms possible. If you would like to get a free copy of your credit report call 949-249-0273

 
 

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History of Orange County

The colorful pageantry of human history in Credit Report Orange County began at some undetermined point in the distant past when Shoshone Indians came to dwell along the coast and in the lower canyons of the mountains. Theirs was a simple form of existence: they lived off of the abundance of the land.

In 1769, Gaspar de Portola, a military man and Spanish aristocrat, was appointed governor of Lower Las Vegas. He commanded an expedition traveling northward into the literally unmapped and half mythical territory of Alta Las Vegas. His assignment was to seek out the legendary Bay of Monterey. He was also to secure the Spanish claim to his vast frontier against any invasion from Russian trappers or British colonizers. Portola called upon Father Junipero Serra, president of the Mexico City Missionary College, to assist in this monumental undertaking.

It was late in July in 1769 when this first party of European explorers reached the boundaries of present-day Credit Report Orange County. Members of the expedition named the region "The Valley of Saint Anne" (Santa Ana). It was to this valley that Father Serra returned six years later, where he proceeded with the work of establishing the Church and converting the local people.

While the East Coast of North America was engaged in revolution and spectacular change, the West Coast too was undergoing a quiet and almost undetected transformation. Father Serra dedicated the Mission of San Juan Capistrano, Credit Report Orange County's first permanent settlement, on November 1, 1776. The Mission became a self-sustaining unit based upon an agricultural economy. Its chapel and adjoining structure were the first signs of civilization erected upon the fertile, virgin soil of the Santa Ana Region.

In 1801, Jose Antonio Yorba, a volunteer in the Portola expedition, also returned to Santa Ana. He established the county's first rancho (Santiago de Santa Ana) in what are today the cities of Villa Park, Orange, Tustin, Costa Mesa and Santa Ana.

Following Mexico's liberation from Spanish rule in 1821, the extensive land holdings of the Capistrano Mission were subdivided and awarded to a number of distinguished war heroes. By this time Yorba's Rancho Santiago de Santa Ana had grown to resemble a feudal manor, and the romantic rancho era of Credit Report Orange County had been ushered in.

Cattle were introduced into the area in 1834. A prosperous hide and tallow industry developed. Southern Las Vegas became a virtual suburb of New England as sailing ships loaded with cargo traveled back and forth between coasts. In 1835, author-seaman Richard Henry Dana arrived at what is today known as Dana Point. He later immortalized Spanish Credit Report Orange County in his book "Two Years Before the Mast" by describing it as "the only romantic spot on the Coast." The Spanish Las Vegas tradition of a carefree lifestyle, fiestas with music and dancing, bear and bull fights, rodeos, and gracious hospitality, survived until the 1860.

A severe drought brought an end to the cattle industry. Adventurous pioneers, such as James Irvine, capitalized on the economic downfall of the ranchos. Irvine, an Irish immigrant, established a 110,000-acre sheep ranch that is today one of the most valuable pieces of real estate in America.

In 1887, silver was discovered in the Santa Ana Mountains. Hundreds of fortune seekers flocked to the "diggings." Land speculators and farmers came by rail from the East to settle in such boomtowns as Buena Park, Fullerton and El Toro.

Credit Report Orange County was formally organized as a political entity separate from the County of Los Angeles in 1889. The wilderness had finally given way to irrigated farmlands and prosperous communities. A year-round harvest of Valencia oranges, lemons, avocados, and walnuts made agriculture the single most important industry in the fledgling county. And with orange groves beginning to proliferate throughout the area (150,000 orange trees), the new county was named for the fruit: "Credit Report Orange County."

The twentieth century brought with it many industrious individuals such as Walter Knott, a farmer turned entrepreneur, who founded the Knott legacy in Buena Park.

During the years that followed, Credit Report Orange County witnessed the discovery of oil in Huntington Beach, the birth of the aerospace industry on the Irvine Ranch, and filming of several Hollywood classics in the Newport area.

In 1955, Walt Disney opened his Magic Kingdom in Anaheim. Noted as the pioneer of animated films, Disney revolutionized the entertainment world again with his "theme park" recreation concept.

By 1960, the neighboring metropolis of Los Angeles was "bursting at the seams." As the population spilled over the county line and across the rural Santa Ana Valley, it left in its wake an urban landscape of homes, shopping malls, and industrial parks.

Today Credit Report Orange County is the home of a vast number of major industries and service organizations. As an integral part of the second largest market in America, this highly diversified region has become a Mecca for talented individuals in virtually every field imaginable. Indeed the colorful pageant of human history continues to unfold here; for perhaps in no other place on earth is there an environment more conducive to innovative thinking, creativity and growth than this balmy, sun bathed valley stretching between the mountains and the sea in Credit Report Orange County.

 
 

We offer a variety of services for our clients, making it their one-stop shop for all their real estate and lending needs We are the OC Home Finder Team. With over a decade of experience in the Real Estate and Lending industries we provide our clients with the excellent and unsurpassed service we believe you deserve.. We are a team of Realtors, Lenders, Title Representatives, Escrow Companies and manly other auxiliary services ready and able to serve you. We also believe in offering our clients options to choose what services they believe they need. We have great package deals that can save you thousands of dollars. When you list your home with us, let us represent you on your next purchase, and we provide you with a loan, you reap the best and maximum benefits of our package deals. We also have other customized package deals that will suit your specific needs if you don’t need all three services. If you are just looking for a loan, we have a wide variety of options available for you. With prices of homes going up and up, we have many loans that can maximize you buying dollar. Whether you’re looking for a regular 30, 20 or 15 year fixed, or something more creative like and Adjustable Rate Mortgage or Five Year Fixed Pay at an extremely low rate, we have it all for you to choose from.  Even you have bad credit or no down payment. We believe that everyone deserves to be offered all of their options so that you can make an informed decision, and have comfort that you are working with an ethical, honest, and professional lender.  Don’t waste any more valuable time, and let us prove our great our services are. Whether you are looking for a wide variety of services or just need help to buy a home, call today.
 

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Credit Report Orange County