Ken's Naperville Real Estate Blog : WORKING ON MY CREDIT REPORT...


My family has just started shopping for a home in Naperville, so I called my mortgage broker last week.  He was able to look at my credit report over the phone and give me a few simple tips to improve the report...

I actually needed to be added to one of our accounts.  There were also a few small errors.  One of my credit files listed me as "Enneth Tracy".  Things like that...

Fortunately I have never been a victim of credit fraud, so it was surpisingly simple to make the necessary changes...

The websites and phone numbers for the three credit agencies:

TransUnion 800-916-8800

Equifax 800-685-1111

Experian 888-397-3742

I am continuing on my path to home ownership by the end of the year.

Do you want to buy a home?

These are good times...


To search for homes in Naperville and all of Chicagoland, go to my website anytime...

Comment balloon 15 commentsKen Tracy • May 06 2009 04:55PM


It is getting to the point that we should do this at least twice a year due to the amount of fraud that is out there and showing up on credit reports.  For $25, it's a no brainer...though it is a tiny ding on your score for pulling it up.

Posted by TIM MONCRIEF, Over 2,000 homes sold….. (Keller Williams Realty) over 8 years ago

I check on mine quite often.  To much can go wrong in a short while and takes years to fix!

Posted by William Feela, Realtor, Whispering Pines Realty 651-674-5999 No. (WHISPERING PINES REALTY) over 8 years ago

Hi Tim and William.  Thanks for reading.

I feel silly.  I have never checked before.

Pretty good experience.  I was surprised.

Thanks so much.


Posted by Ken Tracy, Helping clients buy and sell since 2005 (Keller Williams Realty Infinity) over 8 years ago

We must always be good stewards of our credit, for more than one reason.

Posted by David Width Jr. over 8 years ago

Nice reminder Ken.

Checking your credit report twice a year is a very smart thing. Making sure of what others are reporting about you is just as important as what is not being reported. There is a lot of bogus information by the credit agencies. Waiting until you need something can be very expensive. I just had a client choose to stay at 6.5% on a mortgage because the fee's for his low credit score were excessive. The reason for the low score. His college age child had three unpaid parking tickets that showed up on his credit report as collections. 13 pages of perfect credit and three stinking parking tickets make saving money on a mortgage unattainable.

Posted by steve rogers over 8 years ago

Ken-  IJUST did a BLOG on this today!  Would love to put links back n forth if you want!  Yours is a good example story!

Nice job!

Thanks!  Darin  btw- I never put links in responses, unless invited!  :)  Thanks! 


Posted by Darin Osenberg (Funky Quail Vintage) over 8 years ago

Hi Darin, Steve, and David.  Thanks for reading.

I figure my real life story might be interesting to some...

I love writing it!


Posted by Ken Tracy, Helping clients buy and sell since 2005 (Keller Williams Realty Infinity) over 8 years ago

Hi Ken... How's the house hunting going otherwise?  Finding anything that you love???

Posted by Steve Shatsky over 8 years ago

Ken I pay for a credit protection plan yearly.  They send me an email monthly or immediately of something has changed on my credit.  I love it.

Posted by John Walters, Licensed in Louisiana (Frank Rubi Real Estate) over 8 years ago


I actually like the name "Enneth!" You should think about changing. lol

Posted by Richard Weisser, Richard Weisser Retired Real Estate Professional (Richard Weisser Realty) over 8 years ago

Hi Richard, John, and Steve.  Thanks for reading.

Enneth.  Hmmm.

The house hunting is going fine.  We have one we are watching that would be great.  My lease is up Nov. 1 and wont buy until after August (it will be three years since I have owned then)...

I am trying to sell the house that we like to somebody else...

Thanks again all,


Posted by Ken Tracy, Helping clients buy and sell since 2005 (Keller Williams Realty Infinity) over 8 years ago

I hope adding your name to one of the accounts isn't going to hurt your score by showing "too new credit"...  You probably should have left that one alone.  Not every account needs to be a joint.  My husband and I don't have any joint accounts except our checking account.  All credit cards are separate.

Good luck finding a house.

Posted by Donna Harris, Realtor,Mediator,Ombudsman,Property Tax Arbitrator (Donna Homes, a PLR affiliate - over 8 years ago

Hi Donna.  Thanks for stopping by.

Good points.

I hope all is well down in Texas!


Posted by Ken Tracy, Helping clients buy and sell since 2005 (Keller Williams Realty Infinity) over 8 years ago

Hi Ken,

I actually just attended a seminar today about credit checks.  Here in Canada due to identity theft, we as agents are no longer able to obtain credit checks for potential tenants for a lease.

This will be interesting as we request they accompany the tenant application and offer. The potential tenant will now have to pull their own check. We were also told to run our credit check with Equifax once a year on our birthday. 

I must do it again.  Someone may have me down as Enny.  We could be Enny and Enneth :)

Posted by Jenny Kotulak, Broker - Oakville Ontario Real Estate (RE/MAX Real Estate Centre Inc., Brokerage) over 8 years ago


You can also check your credit report at which checks all three reporting bureaus.

Posted by Teresa K. Nelson (Windermere Real Estate/HLC) over 8 years ago

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