Skip to main content

Understanding

your credit

What does your credit report say about you?

What does your credit say about you?

Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.

What makes up your credit report?

Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.

What is reported?

A few of the items reported on your credit may include:

  • Credit Cards
  • Department store cards
  • Gas cards
  • Bank cards
  • Airline cards
  • Installment Loans
  • Mortgage loans
  • Auto loans
  • Student loans
  •  Utilities
  • Rent (sometimes)
  • Collections or judgements
  • Bankruptcies

What does your credit history look like?

Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.

Payment History

35%

Time Existing

15%

Debt

30%

Account Variety

10%

New Credit

10%

Molly Dean

Mortgage Banker  //  NMLS #259721

I started in mortgage banking in 2003 and eventually found my home here at LeaderOne in 2009. The mortgage business is truly my passion. I love being able to help people buy a home for their family or their investment portfolio. Watching a person or family achieve the goal of homeownership is the BEST. Mortgage banking is more than just helping you buy a home to me. It is creating a lasting partnership with my clients and my referral partners that allow you to trust in me with your mortgage needs for life.

But, I am guessing you really clicked on my photo to learn more about me and who I am…..

I am a working mom and wife – and would not have it any other way.

I met my husband in 2009 and we married in 2011 and we welcomed Rhea Marie to the world in 2013.

When I married Josh and we had Rhea, I truly found my WHY.  This little family of mine is the complete motivation I needed to grow my brand and my team to becoming the top local mortgage experts in the KC market.

I spend my days and nights coaching my clients about homeownership and my team about the mortgage business.

But, in my spare time, you will likely find me at the lake on the boat with family and friends.  I love going to KC Royals baseball games, watching KU basketball, and watching Tom Brady play football.  I love to visit my sis in Chicago or hit the blackjack tables in Vegas. But, most importantly, I love spending my free time with Josh and Rhea. And our 3 puppy dogs – Sammy, KC, and Charlie.

mollydean@leader1.com(913) 710-6445
GoogleFacebookApply Now

Download our Homebuyer’s Guide!

X