All lenders Northeast Florida you visit will ask to see a copy of your credit report. This report lists all your long-term debts as well as your payment history. It is a good idea to attain a copy of your credit report several months before you apply for a loan. This way, you have the opportunity to resolve any issues that may arise before your bank views it. U.S. Federal law guarantees you the right to access your credit report. This may be obtained through your local credit bureau or any of several national firms specializing in credit reports, equifax, experian, or transunion.  If you discover errors on your report, contact the reporting agency or creditor to have the problem resolved. This can often slow the process, so make sure to allow time to clear up any mistakes when buying your Jacksonville Fl home.