Credit Reports

If you are considering buying or refinancing a home in the next 5 months, it's better to call Optimus Home Mortgage now and check on your credit report. If you wait, you may have to re-score at the last minute or worse, be stuck with a higher rate loan as the only option. Call us at 612.872.1686 to complete an application over the phone.

You can always request a free copy of your credit report. Congress has passed the Fair and Accurate Credit Transactions Act, part of which mandates that consumers have a central place to obtain a free copy of their report from each bureau once every 12 months. For the Midwest this will be available on March 1, 2005.

To get your free report:

Call the FACTA center 877-322-8228

or by mail at:

Annual Credit Report Request Service PO Box 105281 Atlanta, BA 30348-5281

Or on the Web:

www.AnnualCreditReport.com