Buyers Need to Check Credit Reports Before Applying for a Mortgage

Collier Swecker video blogs about how every person considering buying a home in the next 6 months needs to review their Credit Report prior to visiting a mortgage lender to get pre-approved for a mortgage. Federal Law allows for every person to receive a copy of their credit report once every 12 Months from the “big 3” credit reporting agencies, Experian, Transunion, and Equifax. In order to receive a copy of these credit reports, you simply visit and request your credit report. It is very important that you don’t confuse with’s credit report copies are actually free whereas’s are not free, despite the name. If you see anything that does not appear to be accurate, immediately start the process to fix any issues that you find. It is so much easier to fix credit issues before you start the home loan process.  If you have any questions or comments email me at, visit my blog at or my website at

About Collier Swecker

Collier Swecker is a licensed real estate broker, attorney, blogger, speaker and entrepreneur. He is the founding partner of the Mega Agent Real Estate Team at RE/MAX Advantage which ranks as one of the top selling real estate teams in Alabama. Collier also acts as a business and marketing consultant for small business start-ups.

Collier graduated from Auburn University (B.A., 1998), Cumberland School of Law (Juris Doctor, 2002) and Washington University School of Law in St. Louis (Masters of Law in Taxation, 2003). Collier was the principal partner of the law firm Swecker and Sparks LLC for 3 years before leaving the law practice for real estate development and sales.

Collier is a native of Yorktown, Virginia and currently resides in Birmingham, Alabama with his wife, Amanda Capps Swecker. Collier & Amanda are the proud parents to a beautiful daughter, Julia Abigayle. They have one dog named Kramer.

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