Credit 101 - Credit Issues

Credit Issues
Having good credit makes it easier to get a loan. Good credit also helps you take advantage of lower interest rates and reduce your monthly loan payments.

Use the links below to get fast facts on credit. Discover why your credit history is important and how to improve your credit rating.

Learn about credit:

Credit Basics
Find out what exactly credit is and why it's important to you.

How Credit Affects Rates
See how your credit affects the rates you're offered on loans.

About Credit Scores
Learn about credit bureaus and how you can get a copy of your credit report.

How Credit Scoring Works
See what affects your credit score and why.

How to Improve Your Credit
Discover things you can do right now to start improving your credit rating.

First Capital Mortgage background extends to: stated income loans, Fixed rate Loans, ARM, Adjustable rate loans, zero down, reverse mortgage loans, no point no fees loans, home equity line of credit, heloc, prime rate, mortgage, borrow, no money down, home value, interest only, 40 year loans, escrow, PMI, private mortgage insurance, credit score, and bimonthly payments.

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