What is a Credit Report?

A credit report will be obtained as part of the loan application process. The credit report will show your payment history, credit limits, monthly payments and current balances.

If you would like to request a copy of your current credit report in advance, there are two major credit reporting companies: Equifax (1 800 465 7166) and Trans Union (1-877-713-3393). Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it’s important to verify its accuracy. Double check your credit history, your current credit limits, and any past due accounts. It’s a good idea to follow up with any creditors showing past due accounts, which might affect your ability to be approved for financing.  If there are any incorrect items, be sure to have the creditor remove them from your report.


PLEASE NOTE: The health and welfare of all our customers and staff remains our top priority, and we are being diligent with our sanitization protocols.  We are taking actions to limit contact with the public, while still being there for you, our customers. With this in mind, our office is closed to walk-ins, but operating on an appointment only basis. We ask that you arrive to your pre-booked appointment wearing a mask. Masks are mandatory for staff and clients during the entirety of the visit. We offer masks & gloves at our office. Plexiglass barriers have also been installed at all of the desks.  As always, if you or someone in your household is feeling unwell and/or showing symptoms of COVID-19, we ask that you refrain from in-person appointments.   Please contact one of our Professional Home Consultants to schedule an in-person meeting. If you prefer, we do also offer virtual services for meetings, home showings and closings. All new inquiries are to be made via our office phone voicemail system (902)835-8388 or by email:   We are continuing to monitor the COVID-19 situation as it unfolds, and are working on contingencies that will ensure that our clients may continue to be served during these uncertain times.   We thank you for your understanding and we hope you stay safe & healthy. We will get through this together!   Note: This information is current as of June 29th, 2021. 
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