Obtaining Your Credit Report
  Understanding Your Credit
  Ask a Mortgage Professional
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  Understanding your credit report  
  Now that you have your credit report, what does all this mean? Check out the Credit Reports section under the “What is credit” portion of this Web site for an explanation of each section and what it means. Make sure you know what every account listed on your report means and that the balances are correct. If there are items on the report that are not yours or are incorrect, file a dispute with the credit bureau immediately. If you are in the market for a home loan, a good mortgage professional can also help walk you through the report.