Some great information from a good friend and excellent Senior Loan Officer at Legacy Mortgage, Bess Daunis.  Please don't hesitate to contact her or me with any of your borrowing questions. As a Lender, I see way too many clients with perfect pay histories yet low credit scores.  Since mortgage interest rates are now impacted heavily by your credit score.... this can be very valueable information for you. The Fair Credit Reporting act requires reporting agencies to report true and accurate information. A HELOC is … [Read more...]