Dreams to Keys Realty Bingo Card - Homeownership Edition

Step 1 - Review Credit

Objectives

• Acknowledge how to access your credit reports and credit scores

• Identify issues on your credit reports that are incorrect or negatively impact your credit

• Prepare to discuss your credit concerns with a mortgage lender

Review Your Credit Reports

• Access your free annual credit reports from all 3 credit bureaus from annualcreditreport.com

• Save or print each credit report and look for negative marks or inaccuracies

• Make a list of each to prepare to discuss these with a mortgage lender

Review Your Credit Scores

• Several sites or apps offer credit scores with varying levels of accuracy (i.e., Credit Karma)

• Experian offers a free option to access your credit score with them as well as a Premium option for all three credit scores (currently 7-day free trial followed by $24.99 monthly)

• Write down your credit scores at the top of each list you create of credit report issues for that credit report

Credit Improvement Options

• If your lowest credit score is below 680 and you are making on time rental payments, consider contacting Rent Reporters (link in bio)

• Before making any disputes, discuss the concerns with your credit report with the mortgage lender (Step 4 of this process)

• If credit report issues need to be addressed after discussion with the mortgage lender, consider utilizing the DIY Credit Repair Kit (link in bio)

Next Steps

• 2025 Unrepresented Potential Buyers or Sellers for Gwinnett and Dekalb Counties of Georgia: Schedule a free consultation ($15 no-show fee) at www.dtkrealty.com/book-me

• Buyers or Sellers Looking for a Referral: Text REFERRAL to (770) 758 – 5641 and we will call you to start the referral process

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