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What is a Credit Report?

Your credit report is created by the 3 major credit bureaus (TransUnion, Equifax, and Experian).

Each of the three credit bureaus develops an individual credit score rating on every borrower. The higher the credit score given indicates a proven history by the borrower of paying their debt obligations on time. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job.

Each of the three credit bureaus develops an individual credit score rating on every borrower. The higher the credit score given indicates a proven history by the borrower of paying their debt obligations on time. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job.

Your credit record contains information about your:

  • Current/Past debts
  • Credit payment history
  • Derogatory: late payments, collections, charge-offs, bankruptcy, child support, etc.
  • Current/Past Employment
  • Current/Past Home Address
  • Credit Inquiries

WATSON CAPITAL MORTGAGE INC. 
2950 Buskirk Ave Suite #300
Walnut Creek, Ca 94597
Office: (866) 434-1550
E-Fax: (888) 984-3511
EmailBradwatson@wcmrates.com 
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CA DRE Broker Lic #01785845
Company NMLS #2061728
CA Corporate License #4638041

Watson Capital Mortgage, Inc. is an independent mortgage brokerage company licensed to originate mortgage loans in the state of Califoria. Watson Capital Mortgage, Inc. supports Equal Housing Opportunity. Terms, interest rates, fees, promotions, and/or products listed above are subject to change or cancelation without notice and may or may not be available at the time of mortgage commitment or at the time of rate lock by either Watson Capital Mortgage or any third party company we work with.

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