A credit report is an essential tool I use throughout the process. If something was left off the initial application when filled out, this handy tool is super helpful to shine brightly and aids in what next steps are. An accurate timeline can be given, what products are a great fit and truly it limits the art of surprise during a loan file. I go over the report initially to make sure all items are accurate and their are no fraudulent items. If found, this report provides who they need to contact. It also helps in getting a better understanding of how to turn one’s financial picture into a home, as this is truly the end goal!