Why top real estate producers rely on Keith Brown

"Keith Brown is the Fairfax mortgage lender I've counted on for years. His pre-approvals stick, he uses local appraisers, and his loans close on time." Learn more »

Why homebuyers trust Keith Brown

"Keith Brown got us a great rate on the right type of loan. When there was an underwriting issue, he solved it so we closed on time with no surprises." Learn more »

Call Keith at 703-449-6821 or GET STARTED TODAY!

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Understanding Credit Scores

How Do I Fix My Credit?

Look at your current credit standing. There are many free services you can use to look at your credit and monitor changes. These are two reliable companies:

www.myfico.com

www.freecreditreport.com

Check what’s being reported by all 3 credit bureaus. The Bureaus do not share information with one another. Thus, data reported by one Bureau can be different from another. If you find you have actual errors in your report (this is different than disagreeing with something in your report) the best and nearly only way to correct it is to get your report directly from each of the Credit Bureaus.  

Experian              www.experian.com

Equifax                www.equifax.com

Trans Union          www.transunion.com

Resolve the issue. The fastest way is to pay for the report and then dispute the errors. The Bureaus, by law, will then write to the creditor to confirm the error. If the creditor does not respond within 30 days, the error must be corrected or removed. However, if the creditor responds to the contrary or responds after the 30 days the data will be edited to reflect to whatever the creditor provides. The bureaus do not engage is dispute resolution. Unfair as it is, the onus is on you to get the creditor to provide the correct data to the Bureau.

Avoid any company that charges a fee to “fix” your credit. Time and again, it has been shown that these companies are unreliable. Even more important, they have absolutely no power to force Credit  Bureaus change their data.