If you are thinking of buying or selling Wake or Chatham County real estate, you need to know that mortgage lenders look up what seems like every detail of your life now to determine if they will lend you money. A primary factor that determines the interest rate that they will extend to you is your credit history. Once a year you can get your credit report for free at www.annualcreditreport.com .  Do not buy anything from any site.   This report does not give you your credit score; however, for that go to a site called  Credit Karma.

Credit Karma is a completely pro-consumer service to empower consumers to learn about how to improve their score and to come up with action plans. Watch this short video by consumer advocate Clark Howard (he’s so geeky he’s cute) click:  CLARK’S VIDEO