Free credit report
Credit re-score | "rapid rescoring"

Free credit report is available.  Ask your Loan Officer about the difference. 

If you would like to correct any information on your credit report, talk about doing a credit re-score, also known as "rapid rescoring", with your Choice Finance® Loan Officer.  A re-score has the ability to raise your 3 bureaus within 72 hours.  We have helped many borrowers with this, and as a result they obtained a better interest rate.  We have seen the results of this rescoring save clients hundreds on their monthly mortgage payment.  Pull your initial report through Choice Finance®.  This way your Loan Officer can use that report to run it through our built-in credit analyzer.  We'll give you an easy to read road map to raise your scores.  We will describe exactly what action is needed, and how many more points you will raise your scores for performing each action.  If you only need a few points, perform one or two of the steps...  if you want to maximize your score, do them all.  Imagine the possibilities when we show you how to raise 15, 20, even 30 more points to your current fico credit score... in 72 hours.

It is important to note that a rescore will help you when there is incorrect information.  Only time can help raise your scores if you really do have bad credit.  After paying off any liens, judgments, etc..  only paying your bills every month before they are due will bring your scores up slowly over time.  The credit bureaus want to see a history of good credit before they award you the higher scores (more on improving your scores).  If you have bad credit, we will be happy to write out a detailed game-plan for you to get on track in the near future.  Follow this plan and you will be approvable for the best interest rates available and/or no money down programs.  We will work hard on your home purchase or refinance, and look forward to earning your business.

Before you pull your credit
We never authorize the sale of your personal information without your permission.  Believe it or not, anytime you have your credit pulled, the major bureaus actually sell your info so that you may be solicited.  You become a lead called a "mortgage trigger", and many companies are willing to pay top dollar to get your information.  There is a way to stop the credit bureaus from selling your information.  To protect yourself and stop the numerous unsolicited offers of credit and insurance (think of all the junk mail you'll stop getting), go to www.optoutprescreen.com today.  You can register online and stop it for the next 5 years.

Also, make sure you register at www.donotcall.gov, to stop annoying sales calls to your home.  Make sure you report any phone solicitors if they still call you.  Read more about protecting yourself when applying for a mortgage.

Authorization Form and Credit Card Form
I hereby authorize Choice Finance® to order a full, 3 score mortgage credit report, a credit rapid rescore, appraisal and/or verify credit information.  I also authorize Choice Finance® and the bank to charge the amount below to my below credit card account.  I confirm that I will pay the said amount, with any charges due thereon, to said issuer in accordance with the terms of the charge card agreement governing the use of the said card.

Loan Officer _________________________________ ext. ________

Applicant     _________________________________

ss# __________________

Applicant     _________________________________

ss# __________________

Property      _________________________________

Address      _________________________________


Applicant's signature ______________________________ Date ____________

Applicant's signature ______________________________ Date ____________

Only one signature is necessary.

PLEASE MAKE BELOW INFO LEGIBLE

Credit Card: MC/VISA/DISC/AMEX # _________ _________ _________ _________

Expires: ____________ 3 digit code: __________

Name on Card: _________________________________________

Mailing address:  _________________________________________                            

                              _________________________________________

Billing address:    _________________________________________

                              _________________________________________

Email address (for your receipt): __________________________________________

$________ appraisal +  $19.46 3 score credit report = $_________ TOTAL

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