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 does your credit say about you?
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.
LOGOS MORTGAGE
NMLS #2570586
We are more than a mortgage company—we are a faith-based team committed to serving our clients with integrity, honesty, and compassion. Guided by our values, we believe homeownership is not just a financial milestone, but a meaningful step toward building a secure future. We understand that the mortgage process can feel overwhelming that’s why we walk alongside you every step of the way, making the journey as smooth and stress-free as possible. Our experienced team takes the time to truly understand your needs, offering excellent, personalized customer service rooted in trust and transparency. Our mission is simple: to help you save money by securing the best rates, provide exceptional service, and keep your goals at the heart of everything we do. We treat every client like family, providing guidance you can rely on and support you can feel confident in. Whether you’re purchasing your first home, refinancing, or investing, you can count on us to serve you with excellence and faith-driven commitment. At Logos Mortgage we don’t just close loans—we build lasting relationships grounded in service and trust.
