Knowing your credit status and how credit agencies rate your credit also may be a deciding factor, especially when you begin talking to lenders. There are three main credit-reporting agencies that will, for a small fee, send you the most current credit report on file.
Experian 1-888-EXPERIAN (397-3742)
Trans Union 1-216-779-2378
Don’t forget! By law, you can monitor your report free of charge at www.annualcreditreport.com.