How to Get Your Free Credit Report
Your Credit Report
Your credit score has become more important than ever. Keeping track of your credit score is important, but be careful about how you do it. There are a lot of companies and services advertising free credit checks who are actually trying to lure you into unnecessary premium services that require monthly fees. Be wary of companies who ask for your credit card information when trying to obtain a credit report. Make sure to always read the fine print before signing up to receive your credit report. Otherwise, that “free” credit report could end up costing you in the long run.
How We Can Help
While credit is critical to everyone, you don't have to monitor and manage it alone. We urge all of our customers as well as prospective buyers to check their credit at least once a year. Our Loan Officers would be happy to do a credit check with a signed authorization form from you. Only with your signed consent can we pull your credit. Should you have any past credit problems, one of our Mortgage Credit Specialists with our Home Buyer Solutions Group would be more than glad to help you. Our credit specialists work closely with your Lennar Mortgage Loan Officer to help you better understand the connection between your financial decisions, credit score, loan qualification, and interest rate. This voluntary and completely confidential program, which includes a user-friendly, self-paced online financial education course, is offered free of charge by Lennar Mortgage.
Additional Resources It's important to know that annualcreditreport.com is the only authorized online source for a free credit report. Also, under federal law, you can get a free report from each of the three national credit reporting companies every twelve months. You can also call 877-322-8228 or complete the Annual Credit Report Request Form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.