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  • so Mr.John it comes to my understanding that you are trying to buy a new home.
  • yes i just feel that i need a home of my own i really just need a loan 
  • well of course to start the process we have to check you credit score to see if your reliable to pay us back. 
  • a credit score is a number expression to just see your creditworthiness 
  • im sorry...my credit score? what exactly is that
  • not quite...a credit report would be when a record of your finances is being made and it tells things like if you payed that company back or if you was late on payments.  
  • so is that the same as a credit report?
  • if its public record sure. if not you can give certain people permission to see your score like banks, jobs, ect.
  • wow. can anyone see my reports?
  • pretty much. Although they don,t show medical records or bills. 
  • And the credit score has everything on there that requires payment? 
  • yup that's how it works so lets get to it. 
  • ok so the credit score helps be determine if i can get the loan or not? 
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