You are thinking of buying a house. It is imperative that you learn your credit score and correct any errors that may be present on your credit reports. There are three main companies that record credit history in the United States: Experian, Equifax and  Transunion. One of the things a lender looks at when screening you for a loan is to look at a copy of your credit report. A credit report is a computer-generated number looking at data in your line of credit file. Frequency and number of late payments will be reflected on the report. Also, the number of credit cards you have, whether you have savings and the times your credit is reported, and whether you live within your credit limit. There are several ways to attain a credit report including several credit companies. When examining your credit report, check to make sure the information is up to date. If the report reveals an accurate credit usage, then begin looking for mistakes. If you find an error in the report, contact the credit bureau through letter by certified mail with return requested right away. The bureau should send a written notice of the results they find when investigating your claim. They have thirty days to look into your claim and five days within its completion to send you a written notice and a corrected copy of the report. Correcting credit reports and repairing your credit is crucial to whether you can obtain a loan. Your Jacksonville real estate agent can assist you in locating a company that can help you repair your credit so that you can obtain a loan to purchase a home.