Your Loan Amount			Rate	Interest Payment	Score
Insert your loan amount here			5.50%		700
			8.99%		610
			9.90%		590
The Difference			Per Month	Per Year	Over 30 Years
The difference between the highest & the middle score
The difference between the middle & the lowest score
The difference between the highest & the lowest score
Assuming a 2 year ARM with a 2.25% Margin 3.388% LIBOR Index & 10.50% Rate Cap 5.74% APR Assuming a 2 year ARM with a 3.50% Margin 3.388% LIBOR Index & 13.99% Rate Cap 7.919% APR Assuming a 2 year ARM with a 3.50% Margin 3.388% LIBOR Index & 14.99% Rate Cap 8.121% APR

The chart above makes it perfectly clear why you would want to improve your credit report and credit scores. Our guide will show you how to do it.

• 72% of credit reports contain errors!
• 20% of credit reports contain errors that could get the consumer declined for a loan!
• Your credit report and credit scores change on a daily, even hourly basis
• Today’s high cost of homes means we must pay closer attention to these details!
• Insurance companies, landlords, and employers all use credit scores to determine if they want to do business with you.
• Identity Theft is at an all time high, even affecting children! You need to protect yourself and your family.
• Many people believe their spouses high score will bring their score up! (No)
• Many people believe you only have one score. (You have three)
• Some people believe you can get a new identity and leave your old credit standing behind. (Not legally)

There is a lot to know about your credit. Our guide will help you with your credit with regard to buying or refinancing a home. Once you can do this, all the other creditors will chase you to do business with you!

Much of the advice in the newspapers, web, and magazine articles is based on credit card or auto loan company’s viewpoint regarding the extension of credit and use of credit scores. It just doesn’t give a good picture for the home buyer. Our guide does just that.

It reviews the things that are essential to getting ready to borrow for a home or to refinance. It covers how mortgage underwriters look at past bankruptcies and foreclosures. Our guide will also show that paying off collections and closing accounts could cause dire problems with your credit.

Above all, our guide will give you a working knowledge of the TIMING that is needed to take care of different circumstances of your credit life.