What does your credit report say about you?
Understanding
your credit
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
- 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 RM Lending, we’re more than just mortgage experts — we’re your dedicated partners on the journey to homeownership. Headquartered in South Carolina’s Lowcountry, RM Lending is a boutique mortgage brokerage offering personalized loan solutions, competitive rates, and an unwavering commitment to client service.
Our team brings decades of combined experience in mortgage lending. We’ve built RM Lending on the principles of integrity, transparency, and hands-on guidance — ensuring our clients feel supported every step of the way.
Whether you’re purchasing your first home, upgrading, refinancing, or investing, we tailor each solution to meet your unique financial goals. We proudly serve borrowers throughout South Carolina and Ohio — with intentions on expanding to several other states in the near future.
At RM Lending, your journey is our expertise — and we’re here to help you navigate it with confidence.
