707.745.0924

216 First Street
Benicia, CA 94510
M-F 9:30 AM to 5:00 PM

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Credit Watch

Estey Real Estate and Property Management runs a credit report when an application is submitted for an available property.

There are three major credit agencies, each using slightly different system to evaluate and arrive at a credit score for each person (Equifax, Experian and Transunion). The score most people reference is the FICO score. The FICO score was developed by Fair Isaac and Company.

Each of these companies considers the data accumulated about you in your credit report. Some of the areas they use are:

 

Each of these items plus others are weighed to determine whether or not you qualify for the loan you are requesting. Plus, each company evaluates your credit differently. FICO scores range from 300 to 850, the higher the score, the better credit risk. Please be advised that some websites that advertise "Free credit reports" are not necessarily free.

You may keep abreast of your credit by running a free credit report from each agency once a year. Often people run credit reports from one of the companies every 4 months to check their credit report. For example: January 1 run a credit report using Equifax; May use Experian; September use Transunion, then in January start again with Equifax. It is free. If you use all three at one time, you cannot get a free report for another year.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report. You will never receive an email directly from the Annual Credit Report Request Service.

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Benicia Property Management | Benicia Homes for Rent

Estey Real Estate
& Property Management

216 First Street
Benicia, CA 94510

Office Phone: 707.745.0924
Fax: 707-745-0926
M-F 9:30 AM to 5:00 PM

BRE #00674738

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