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Tom Mills
CA License #00756102

Direct: (530) 546-1551
Mobile: (530) 318-1376
Fax: (530) 546-7200


Email

Contact Me

Our office is located at 6921 North Lake Blvd. in Tahoe Vista, CA 96148. Click the map below to get detailed driving directions.

Click the image below to see our interactive map of lake tahoe real estate for sale and map out your house search!


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contact Tom Mills - North Lake Tahoe Real Estate

<<Back to Information for Buyers

 

Examining Your Credit History

As indicated earlier, your credit report and history are key to obtaining your home loan. We encourage you to view your credit report yourself, prior to the lender’s viewing of it, by contacting one or all three of the major credit reporting companies: Equifax, Experian, and TransUnion. All you have to do is call and request it. Once you receive it, check the "high credit limit," "total loan," and "past due" columns. It is a good idea to get copies from all three companies to assure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, are usually charged to issue credit reports.

Credit reporting companies:

You can also get a copy of your credit history at the following online locations:

www.freecreditreport.com
www.creditreports.com

What if I find a mistake in my credit history?
You can correct simple mistakes by writing to the reporting company, pointing out the error, and providing proof of the mistake. You can also request to have your own comments added to explain problems. For example, if you made a payment late due to illness, explain that for the record. Lenders usually understand about legitimate problems.

 

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