Boise Idaho Home Buyers Free Credit Report

The Shopping Nazi

Saving Money One Product at a Time

Shopping for the Palm Pre

It has been over a year since Palm released the Palm Pre. At that time all the tech reviewers were joking that the Palm Pre was the pre-bankruptcy release for Palm. Well, Palm has not gone into bankruptcy. Three of the four major cell phone carriers offer the Palm Pre. In call seriousness the Palm cell phone is different than the Blackberry, or the many smart phones that use the Android operati...

Shopping for the Chevy Equinox

The Chevy Equinox is classified in what some people want to call "plus-sized crossover, small SUV". This basically means the Equinox is smaller than a full size SUV and larger than your standard crossover. The much advertised feature of the Chevy Equinox is the rear seating and rear storage. 60/40-split rear seat that could be slid almost 8 inches front and rear. In the rear cargo section t...

Money Management from the Mint

Way back in 1995, I remember when I helped a young pest control business get their first computer. We set up their books with a new software from Quicken. Over the years, Quicken has been the only real money management software for personal of business use. Since then there has been several of money management programs to come on the market and many of them leave. Then in 2005, Aaron Patzer sai...

Dean Koontz on Audible

One of the many author found at Audible.com is Dean Koontz. Do you realize you can get his Dean's book Breathless in an MP3, but it on your iPod, or other MP3 player and listen to it while driving to work, or even washing the car, or at the gym. Breathless was #1 New York Times bestseller. Author Dean Koontz delivers a thrilling novel of suspense and adventure. The mystery unfolds high ...

Clear Expectation of Service

Several years ago, I worked briefly at this computer store. The owner would change the terms of service at least once a week, if not more. When I left there the Terms of Service was very fine print on the back of every receipt. The receipt was printed on an 8 1/2 by 11 sheet of paper. This is nothing unusual. Every business has literature that states where their responsibly starts and where ...

32 Inch LCD Recon

I love sitting around coffee shops, and lounge area. What I over hear is so amazing. Just the other day this guy asked a friend, "Where was the best place to get a LCD TV?" The friend answered quick, "Fred Meyer, they have the best prices." I was so tempted to lean over and ask what empirical data he was making statement. Instead I bit my tongue. Without any ceremony, I got up and walked t...

Auto Recon: Honda Fit

The Honda Fit is another one of those little sub compact cars that came into being to easy the strain on our wallets because of high gas prices. The Fit is akin to the sportier Honda Jazz. Introduced at the time of high gas prices the Honda Fit is a subcompact four door hatchback. The first-generation Honda Fit was available for just two years: 2007 and 2008 model year. The base model came wi...

Mattress Recon – Intro

Next to marriage and underwear the mattress you sleep on is the next personal thing in your life. It has been my experience that what on individual sleeps well on is another individuals restless nights sleep. So when asked to help buy as mattress, I had to start with the basics. The number of different types of mattresses far exceeds the three Goldilocks came across in the three bears cottage. ...

Business Books from Audible

Anyone in business will tell you that knowledge and time management is a crucial factor to success. Traveling to an appointment, or waiting in a doctors office can be put to good use. An MP3 player containing an audio book can convert dead/wasted time into an enriched learning experience. Books like "How to Wind Friends & Influence People", "7 Habits of Highly Effective People" make great...

Office Office Which Office

School is almost back in full swing. Last minute shoppers of school supplies and school clothes are bustling through places like Wal Mart and Target with almost the ferver of Christmas shoppers on Christmas Eve. In addition to the traditional school supplies a computer is needed. On that computer is required a word processing program, spread sheet program, presentation program, and internet ac...

Boise Idaho Home Buyers Free Credit Report

Posted By: Craig Ballhagen on November 24, 2009 in Budget, Home - Comments: 1 Comment »

There is much talk about credit reports and the FICO scores that go with it. The Internet offers many FREE credit reports. Believe me, they are NOT free. What they are trying to do is have you sign up for a monthly service or a large fee if you don’t “officially” cancel their service. These companies exist to make money, not to actually help you out.

Establish an honest relationship with a LOCAL Boise Idaho home loan consultant who has their local reputation on the line and your best interests in mind. Then go to the next step and request a free credit report and the valuable advice that goes with it. Your local Boise loan consultant has to earn your business and provide professional service. That is what a relationship is all about. On line companies could care less about how you “feel” or if you are “happy” or not. A local Boise Idaho loan consultant must please you and their local real estate community. If they don’t, they might as well go work for some online institution.

In Boise Idaho, it is a small community and a solid reputation is all you have. Boise Idaho first time home buyers are very savvy about the process and expect top notch attention.

When a Idaho first time home buyer in Boise orders their FREE credit report from me, they will receive a full residential report with all 3 bureau scores and extensive consultation. If there any adverse entries, I will be glad to help get your credit back on track. Many reports have errors that can be “re-scored” and have results in 5 business days.

The re-score process for home loans can be a big deal when a borrower is only a few points away from qualifying.

Ordering your first credit report is a great first step. Knowing what is on your credit report way in advance, is a great way for Boise Idaho First Time Home Buyers to take control of their financial future and be proactive. Even if a potential Boise home buyer is 6 to 12 months away from considering a purchase, it is never to soon to have credit checked.

There are 3 different ways to get started.

Print out a loan application, and cover sheet and fax to 208-489-2809 or scan and email to CBallhagen@GuildMortgage.net . another option is to email me your Full Name, Current Address, and contact information. NEVER EMAIL YOUR SOCIAL SECURITY NUMBERS TO ANYONE. I will contact you by phone and you can give that information verbally. or You can schedule an appointment and I can check your credit at that time.

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