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What does your credit report say about you?

What does your credit say about you?

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 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
  •  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.

Payment History


Time Existing




Account Variety


New Credit


Josh Collins

President //  NMLS #211219

Josh Collins, President of Flow Mortgage in Columbia, South Carolina, has been helping customers afford the home of their dreams for almost 2 decades and loves what he does. Josh has quickly made a name for himself through his analytical prowess, problem-solving skills, and empathetic client service.

At Flow Mortgage, Josh has created a client-first culture, propelling the company’s growth and reputation for innovative loan solutions. He also champions community involvement, encouraging his team to support local initiatives.

Outside work, Josh is devoted to his family and enjoys exploring the outdoors of South Carolina. He is a community advocate and family man, setting high standards of excellence and integrity in the mortgage sector. 331-1716

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