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 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.
Meet Our Team
At American Home Enterprises, we’re dedicated to making the dream of homeownership a reality. As a trusted mortgage company, we provide smart, straightforward lending solutions for homebuyers, homeowners, and real estate investors across the U.S.
Our team brings years of experience, personalized service, and a commitment to transparency in every loan we offer. Whether you’re buying your first home, refinancing, or looking for a better rate, we’re here to guide you with clarity and confidence.
We offer a wide range of mortgage products, competitive rates, and fast approvals—because we know timing matters and your goals can’t wait.
