Moving is a challenge, no matter when or where it takes place. A homeowner could move directly down the road and still face the pressure and stress that is inherent in such an event. And of course, the further away the move, the more challenges a homeowner faces. Financially speaking there are things to consider no matter how far away one moves; it is essential that homeowners facing a move are fully aware of their current financial situation so that there are no surprises during the mortgage process or at closing. Because our credit report is our passport to finance, this is what we must assess in determining our financial health.

Creditors that are determining if we qualify for a particular loan will pull our credit report from any or all of the credit bureaus that hold this financial information. But in order to get a jump on what this information is saying about us, we must look to our credit report first. All consumers are entitled to receive a free credit report at least once within a twelve month period, and can easily do so by visiting www.annualcreditreport.com where consumers can request free credit reports from any one of the credit bureaus – or all of them at once.

By making it a habit to request free credit reports on a yearly basis, consumers will have a leg up on what their credit report is reporting about them. This will help consumers recognize inaccurate information quickly so that they can take steps to remove it from their credit report. Further, a free credit report can help a consumer to recognize possible identity theft far sooner than they may ordinarily be made aware of it.

With free credit reports on their side, consumers can ensure that they are in the best financial shape possible before their big move, thus ensuring that things go as smoothly as possible.

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