Below are links to information About Credit Scores

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm

Q: Are there other situations where I might be eligible for a free report?
A: Under federal law, you're entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, any of the three consumer reporting companies may charge you up to $9.50 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:

Equifax
800-685-1111
www.equifax.com

Experian
888-EXPERIAN (397-3742)
www.experian.com

Trans Union
800-916-8800
www.transunion.com

creditscore.com

Want a Free Annual Credit Report? PDF Form

Fair Credit Reporting Act

www.CreditSourceOne.net "On average we raise our Client's Credit Scores 60 to 100 Points while removing 2 out of 3 negative items from their credit report.

How to Raise Your Credit Score 100 Points in 45 Days by Edward Jamison, Esq.

How to Double Your Available Credit in Less Than Two Years By Edward Jamison

Fannie Mae/Freddie Mac Alert!

November 20, 2007- Fannie Mae and Freddie Mac have announced loan price increases for borrowers with credit scores below 680 on loans with LTVs less than 70%.

In an investor conference call Mike Quinn, SVP Single-Family Risk Officer for Fannie Mae said, "we announced a meaningful, across-the-board increase on loans having credit scores below 680 and LTVs above 70%. These changes in underwriting and pricing will help control losses and maintain appropriate levels of profitability through this cycle."

And in a letter posted on their website, Freddie Mac said they will be charging from .75% up to 2.0% depending on the borrower's credit score for loans submitted with less than a 70% LTV and credit scores below 680.

The following table illustrates the rates and costs for a borrower with a loan amount of $300,000.

Credit Score	Delivery Fee Rate	Cost
Below 620	2.00%	$6,000
620-639	1.75%	$5,250
640-659	1.25%	$3,750
660-679	0.75%	$2,250

Negative Credit Can Squeeze a Job Search

How to Raise Your Credit Score 100 Points in 45 Days by Edward Jamison, Esq.

How to Double Your Available Credit in Less Than Two Years By Edward Jamison