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
- 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.
Jehoshua Shapiro
Founder // NMLS #240295
Jehoshua Shapiro is the founder of eMortgages.com and a Certified Mortgage Advisor with more than 30 years of experience helping clients buy, refinance, and invest with confidence.
Based in Petaluma, California, Jehoshua built eMortgages.com on the belief that clarity and transparency lead to better financial decisions. Every client receives a written mortgage proposal and full financial breakdown — eliminating guesswork and replacing it with strategy and confidence.
Jehoshua’s expertise covers conventional, jumbo, FHA, VA, DSCR investor, and self-employed loan programs, including bank statement and no-income options. His mission is simple: deliver honest advice, smart financing, and a mortgage plan tailored to each client’s goals — without sales pressure or confusion.
