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2. How to write a letter of explanation for a mortgage - AOL

   www.aol.com/finance/write-letter-explanation...

   If your lender asks you to submit a letter of explanation, the request probably reflects a particular piece of info or irregularity in your mortgage application that raised a red flag. A letter of ...

3. How credit inquiries affect your credit score - AOL

   www.aol.com/finance/credit-inquiries-affect...

   When you apply for a new credit card, take out a mortgage or rent an apartment, lenders and landlords conduct credit inquiries to determine whether you are likely to be a financial risk. These ...

4. How to Read a Credit Report to Find the Red Flags - AOL

   www.aol.com/read-credit-report-red-flags...

   The credit report consists of five elements: personal information, credit history, credit inquiries, public records, and the credit score. In general, you should be checking the credit report for ...

5. Credit history - Wikipedia

   en.wikipedia.org/wiki/Credit_history

   Hard inquiries can, but do not always, affect the borrower's credit score. Keeping credit inquiries to a minimum can help a person's credit rating. A lender may perceive many inquiries over a short period of time on a person's report as a signal that the person is in financial difficulty, and may consider that person a poor credit risk.

6. Cover letter - Wikipedia

   en.wikipedia.org/wiki/Cover_letter

   applying for a specific, advertised opening ('letter of application') expressing interest in an organization when the job seeker is uncertain whether there are current openings ('letter of inquiry'). [3] According to studies, a good cover letter should: be specific and up-to-date, be well punctuated and spelled, and grammatically correct.

7. Verification of employment - Wikipedia

   en.wikipedia.org/wiki/Verification_of_employment

   Verification of Income and Employment (VOIE) is a process [1] used by banks and mortgage lenders in the United States to review the employment history of a borrower, [2] to determine the borrower's job stability and cross-reference income history with that stated on the Uniform Residential Loan Application (Form 1003). Lenders require complete ...

8. Home Mortgage Disclosure Act - Wikipedia

   en.wikipedia.org/wiki/Home_Mortgage_Disclosure_Act

   The date of application; The loan type (conventional loan, FHA loan, VA loan or a loan guaranteed by the Farmers Home Administration) The type of property involved (single-family, multifamily) The purpose of the loan (home purchase, home improvement, refinancing) Owner occupancy of the property (owner occupied or non-owner occupied) The loan amount

9. How to delete your Experian account - AOL

   www.aol.com/finance/delete-experian-account...

   A free account still provides access to your credit report and basic monitoring without monthly costs. Or, consider other free or low-cost options to stay informed about changes to your credit report.