Credit Reports & Solicitations for Credit
As a Colorado resident, you are entitled to one free credit report from each reporting agency per year when you call. Some lenders recommend viewing them twice a year because of identity theft problems.
Before you work with a lender it is recommended that you order your credit reports from each of the three major credit reporting bureaus.
This way you will confirm your debts are actually yours and/or see if you need to dispute anything, providing the necessary documents to show payoffs, student loan consolidations, closed accounts, etc.

Equifax Experian
PO Box 105873 PO Box 2104
Atlanta, GA 30348 Allen, TX 75713
800.685.1111 888.397.3742
www.equifax.com www.experian.com

Trans Union
PO Box 390
Springfield, PA 19064
800.916.8800
www.transunion.com

Need Help with the Junk Mail

To stop solicitations of direct marketing and/or telemarketing for credit cards, mortgages, and home
equity loans:

Call 888.5 Opt Out (888.567.8688) or 800.353.0809 to request the credit reporting
agencies stop selling or sharing your information. Follow the automated prompts.

Assistance to Victims of Identity Theft
If you or a friend has been a victim of identity theft contact your local law enforcement agency to
file a police report. Also report the problem to the Federal Trade Commission via phone,
877.IDTHEFT (877.438.4338), or via the Internet, http://www.consumer.gov/idtheft. This site also
provides links to numerous consumer education materials.

Tips for Selecting a Lender

If you are purchasing a home:

• Understand your real estate contract and deadline dates for the loan commitment, appraisal, inspection, and closing.
• Discuss locking in an interest rate; inquire about any fees.
• Know what your seller is providing towards closing costs, if any.
• Review your HUD Settlement document within 24 hours of closing to ensure that any fees and other issues are addressed prior to the actual closing.
• Don;t choose the lender based soley on the rate they offer, find out what the loan is costing you.
• If you are refinancing your current mortgage:
• Review your appraisal prior to closing to ensure the value isn’t too high compared to other properties.
• Know that you have a three-day rescission period after the closing to review your closing documents and to decide if you wish to keep the loan or to turn it down. If the lender “promises” to change some items on the closing documents, make sure any changes are done in writing prior to the end of the rescission period.
• Review your HUD Settlement document within 24 hours of the closing. Make sure that all financial terms of the mortgage agreed upon are posted on the settlement document along with other closing documents.

• Rental Resource
  A Colorado Rental Property Resource for both landlords and tenants can be found at http://www.coloradorentalproperty.net . Online land lords can post detailed information regarding their rental property, including 5 color photos. The ad can be self directed by the landlord to their cell phone or property management company. This is a service provided FREE by RealEstateColorado.Net and the ad will remain on line until it is asked to be removed.
• REAL ESTATE If you would like additional information about the Denver Real Estate area in Denver Colorado as well as anywhere in Denver Metro Area contact us at 1-800-791-3990 ext 232. Jeffery McClintock, is a real estate broker in Denver and prides himself on providing clients with professional guidance in all phases of residential new construction, including market research, product development, consulting, marketing and advertising. His personal mission is to bring to you a level of knowledge, experience, commitment, high standards and results to answer your real estate needs. He believes, the most effective way to provide superior service is to build a strong working relationship with you. His system includes regular consultations and feedback, which is the best tool for identifying and clarifying your real estate objectives and help define strategic solutions. Jeffery has been a licensed Realtor since 1995. During this time he has successfully closed over 135 million dollars of residential real estate, and 40 million dollars in un-improved land amounting to 660 individual real estate transactions. His professional experience includes the Denver Colorado front range and the Second Home market in Breckenridge, Colorado located in Summit County.