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You are here: Home / Blog / Check Your Credit Report

Check Your Credit Report

November 16, 2015 by John Sibley

Applying For A Mortgage? Check Your Credit Report First!

Check Your Credit ReportThe Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

The three companies – Equifax, Experian, and TransUnion – have set up this central website through which you can check your credit report for free.

Visit www.annualcreditreport.com to get a free, no strings attached, copy of your credit report.

Keep in mind that the Fair Credit Reporting Act does not require the credit reporting companies to provide you with your 3-digit credit score that everyone talks so much about. This may be obtained for an optional charge if your curiosity gets the better of you. Included in the free report, you will have access to view any negative items that would be considered when calculating your credit score. We suggest reviewing these items to make sure there are no unexpected negative items on your credit before applying for a loan.

Looking for more information on how credit scores are calculated and ways to improve your score, check out our page on mortgage credit score requirements.

It is also a good idea to monitor your credit several times each year for any unauthorized activity that may appear on your credit report. The Fair Credit Reporting Act allows you to get a free copy of your credit report from each of the three reporting companies every 12 months and you do not have to get them all at once. It is recommended that you review your report from one of the three companies, saving the others for later in the year. Typically your reports from each of the credit reporting companies will include the same information.

If you have any questions on boosting your credit score or applying for a home mortgage we are here to answer any questions you may have.

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Filed Under: Blog, Buyers, Featured Blog Posts, Mortgage Financing

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I worked with Gana to purchase my first home in March 2018. Gana definitely helped me out during this process. She stayed in contact with me and was very good with her timeliness on updates. She was there throughout the whole process and was very knowledgeable when i had any questions. Gana made sure I understood any documents that I had to sign before I completed the action. I would definitely recommend her!

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I bought my first home!!! Jordan provided exceptional service. At first, I was looking to rent, but she showed me I could get more of what I needed for less if I considered purchasing a home. It is an investment in my future and I am so glad she helped me feel confident in my ability to buy a home. The Sibley Group is a wonderful team that is there for your needs and supports you every step of the way. I highly recommend them, especially Jordan. She was attentive, resourceful, knowledgea(...)

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Mrs. Gana is quite the gem, in fact, the entire Sibley Group were all so helpful and made our first home buying experience a breeze.

We were totally lost when it came to finding a mortgage company and having a realtor with such expertise and experience really put us at ease. She set up connections with several lenders and from there we were put on a path to home ownership!

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The decision to sell our home and to use the Sibley Realty Group was a year long process. We were concerned about determining the right time to sell and determining a fair and appropriate asking price. We had questions about how to adequately prepare our home for photos and showings. We were concerned about security and showing our home while we were away on vacation. John Sibley addressed all of our questions and concerns. He walked us through the process from listing to closing. He was a(...)

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We were having troubles trying to figure out the particulars of buying a house and were a little intimidated about approaching a Real Estate agent. Those fears were put to rest after meeting Gana.

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The entire experience was smooth, as she laid to rest any fears we(...)

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Everyone at the Sibley Realty Group was exceptional. From the first phone call to the closing of the home we had the best service. I would recommend Jordan and her team to anyone. Awesome Job Guys! And thanks again.

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Gana made this transaction easy to understand for us as first time home buyers. Gana was very in tune with us when she could tell I didn't understand something. She slowed everything down and made sure I understood before we moved on.

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About Us

The Sibley Group has a team of Realtors to meet all of your real estate needs throughout the New Orleans Metropolitan area. We have agents that specialize on the Northshore and Southshore, including New Orleans, Slidell, Metairie, Covington, Mandeville, Pearl River, and Lacombe.


Trust a real estate team with a long-standing tradition of service, expertise, and professionalism in the local area.


John Sibley reviews
The Sibley Group
Keller Williams Realty 455-0100

3197 Richland Ave, Metairie, LA 70002

Northshore: 985.326.9755
Southshore: 504.571.9755
Broker: 504.455.0100

From Our Blog

Housing Market Forecasts for the Second Half of the Year

From rising home prices to mortgage rate swings, the housing market has left a lot of people … [Read More]

Why Some Homes Sell Faster Than Others

As you think ahead to your own move, you may have noticed some houses sell within days, while others … [Read More]

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