Current Mortgage Rates

Monday, September 08, 2008



A credit report is a record of your credit activities. It lists any credit-card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills. Errors in your credit report include mistakes but they also include omissions. It's possible that actions you've taken to pay off a debt or clear up a delinquency, for example, are not showing in your credit report. For one reason, each bureau has a slightly different version of your credit report. You may find an error or omission exists in one of your reports but not others. Credit bureaus compete with each other, which can result in them having disparate information about you.

How To Dispute Errors on Your Credit Report:
  • Make a copy of your credit report and circle every item you believe is incorrect.
  • Write a letter to the reporting agency (the address will be printed on the report). Explain each dispute and request an investigation to resolve the issues. If you have supporting paperwork, send it along, coding pages to match dispute paragraphs. Do not send your originals.
  • Send all materials by certified mail, return receipt requested, so that you can prove the packet was received.
  • Send a similar letter of dispute to the creditor whose reporting statements you disagree with.





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Current Mortgage Rates*

Loan Type
National Average
30-yr. fixed6.38%
30-yr. fixed jumbo7.00%
15-yr. fixed5.88%
15-yr. fixed jumbo6.50%
7/1 ARM6.25%
5/1 ARM6.00%
3/1 ARM5.88%
1-yr. ARM6.00%
1-yr. LIBOR ARM5.50%
10/1 ARM7.88%
*Mortgage Rates Updated: 09/04/2008