Watch this video and take a few notes! There are three major credit reporting companies:

• Equifax - www.equifax.com 1-800-685-1111
• Experian - www.experian.com 1-888-397-3742
• Trans Union - www.transunion.com 1-800-916-8800

Obtaining your credit history is as easy as calling and requesting one. Once you receive the report, it's important to verify its accuracy.

As we show you in this video, a credit bureau score, or “credit score” is a number based upon your credit history that represents the possibility that you will be unable to repay a loan.

Lenders use it to determine your ability to qualify for a mortgage loan.

The better the score, the better your chances are of getting a favorable loan.

Know your score and ensure that lenders have current information about it.