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.
Understanding Your Credit
Learn MoreWhat does your credit say about you?
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
- Â 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.
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Next Gen Lending
NMLS #2442360
Welcome to Next Gen Lending where your homeownership dreams take center stage. In the ever-evolving landscape of mortgages, we don’t just offer loans; we craft personalized narratives of financial empowerment. Our mission is a compass guiding us—powered by honesty, integrity, and competence, we navigate the intricate terrain of home loans with a commitment to excellence.
Unleashing Possibilities
At Next Gen Lending, we believe in more than just securing a mortgage; we believe in unlocking the doors to a brighter future. Our goal is to provide our clients with multiple options and strategic solutions at the most competitive pricing. Imagine stepping into a new home and a future where financial ease and homeownership dreams seamlessly converge. Proudly serving NC, SC, FL, TN, WV, and GA.
Founded on Faith • Formed by Friends • Focused on Your Future
Mooresville, NCHickory, NC
