Order Your Credit Report

Get your credit report and score to understand your mortgage eligibility and potential rates.

Order Credit Report & Score

Get your complete credit profile in minutes!

Why Order Your Credit Report?

Know Your Standing

Understand where your credit stands before applying for a mortgage.

Better Rates

Higher credit scores typically qualify for lower interest rates.

Identify Issues

Spot and address any errors or problems early in the process.

Plan Ahead

Give yourself time to improve your score if needed.

Credit Score Ranges

Poor300-579

Fair580-669

Good670-739

Very Good740-799

Excellent800-850

Need Help?

Questions about your credit report or how it affects your mortgage options?

Apply Now

Tips to Improve Your Credit Score

Simple steps you can take to boost your credit score and qualify for better mortgage rates.

Pay On Time

Payment history is the most important factor. Set up automatic payments to never miss a due date.

Lower Utilization

Keep credit card balances below 30% of your limit, ideally under 10% for the best scores.

Check for Errors

Review your credit report regularly and dispute any inaccuracies you find with the credit bureaus.

Keep Old Accounts

Length of credit history matters. Keep older accounts open even if you don't use them regularly.

Limit New Credit

Avoid opening new credit accounts before applying for a mortgage as it can temporarily lower your score.

Mix Credit Types

Having different types of credit (cards, loans, etc.) can positively impact your credit mix.

Gregory Vassilatos

Mortgage Loan Originator NMLS # 1755278
(484) 903-3372
Email

Innovative Mortgage Services Inc. NMLS # 250769
17717 Hunting Bow Cir #101
Lutz FL 33558
(727) 372-8059
https://innovative.my1003app.com/

Innovative Mortgage Services Inc. is an equal Housing Lender.More information on our practices and privacy policy.

Thank you for choosing

Innovative Mortgage Services Inc. & Mortgage PreFlight.

Welcome to Mortgage Preflight, a secure method to authorize your lender access to your credit report while you obtain your actual FICO® scores and Credit Radar Analysis. In just a few minutes you'll have a wealth of data that will assist you in the mortgage process. Your Credit Radar report will help identify opportunities to quickly improve your credit scores - often in as little as 72 hours.

We will work with you, using this and other data to complete your prequalification process. Safe-guarding your personal information is our top priority. Your private data is protected using enterprise class 256-bit encryption and is used for the exclusive purpose of mortgage lending.

Next, we'll need some information.

For help and to learn how we safeguard your data, see our FAQ.

Please Wait.......

Borrower

Length Of Time At This Address:
2 Years Or More Less Than 2 Years

Will there be a joint co-borrower?
No Yes

Co-Borrower (ONLY if residing with applicant for the past 2 years.)

Payment Information

Same address as above

Your credit card will not be charged until you approve the price on the next screen and complete the Mortgage PreFlight process.

Additional Information – Optional

To assist your lender in obtaining your prequalification, please provide the following:

REALTOR^® or Referrer Contact Information – Optional

Comments or Requests – Optional

Authorization Agreement

I hereby authorize Innovative Mortgage Services Inc., and other persons or entities working with Innovative Mortgage Services Inc. including but not limited to; real estate brokers, agents, or any other entity that may process, underwrite or fund the real estate loan(s) I/we am/are seeking, to access my/our credit reports for mortgage/credit purposes through Credit Technologies, Inc.® (CT) in compliance with 15 U.S.C. §1681b(a)(3)(A). This authorization includes any subsequent inquires required including but not limited to updating credit history, credit rescoring, GSE Loan Quality Initiatives (LQI) and/or quality control. I further provide authorization, to the same extent as above, to verify my current and previous employment, earnings and credit records including bank accounts, stockholdings, current and past mortgages, landlord references and any other assets, liabilities and public record information needed to process my mortgage loan application. Innovative Mortgage Services Inc. and any other entities outlined above may utilize this data exclusively for real estate transaction lending purposes. I understand and agree this authorization qualifies as a written authorization and is enforceable under the Electronic Signatures in Global and National Commerce Act ("ESIGN") Pub. L. No. 106-229, 114 Stat. 464 (2000) (codified at 15 U.S.C. § 7001 et seq.). It is understood that a copy of the data associated with this authorization shall serve as an original authorization. This authorization expires 180 days from the date of execution. I understand and agree that CT has no control over the content of the information provided to it, and it is not responsible for inaccurate results, including those due to incorrect, missing, or outdated credit report information. I understand that the use of Mortgage PreFlight does not constitute an application for a mortgage loan, and that I am not bound in any way to Innovative Mortgage Services Inc.. Privacy Act Notice: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA). I certify that I am eighteen years of age or older and that I am the person identified herein. I agree to abide by the terms and conditions contained in the cardholder agreement with the credit card issuer or bank. I understand that under 15 U.S.C. §1681 any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be subject to a fine, imprisonment, or both. I Agree

You must scroll through and read the entire above agreement to continue.

You understand that by clicking on the I AGREE button immediately following this notice, you are providing "written instructions" and permission for Innovative Mortgage Services Inc. to access your credit report(s) through Credit Technologies, Inc.

I/We Agree and accept the above listed Terms and Conditions

Order Confirmation

Please carefully review the entries below for accuracy. It is very important that all information be correct in order to obtain the most accurate credit data.Should you need to edit any item, please use the back button at the bottom of the page to return to the previous page.

Your Information

First Name:

Middle Name:

Last Name:

Suffix:

SSN:

Street Address:

City:

State:

Zip:

Disclosures

Fee Disclosure

The following fees are being charge in connection with the processing of your request for a credit report. In most jurisdictions, requesting a credit report does not meet the definition of a mortgage loan application. Should you choose to make a formal loan application, other fees not shown here may be payable later and would/will be reflected within the Good Faith Estimate of Closing Costs,
Nonrefundable fees are subject to applicable limitation of state or Federal law.

Credit Report Fee

This fee is non-refundable.Should you decide to apply, additional fees for credit reporting services may be necessary.These fees, if any, will/would be reflected within the Good Faith Estimate of Closing Costs.

Verify & Sign

I have read the above and acknowledge reciept prior to being charged any fee by electronically signing below:

Please enter your name EXACTLY as it appears in the field below.

A copy of this information including all disclosures will be emailed to you upon acceptance. Please print this email and retain for your records.

The IP address utilized for this transaction has been logged at .

Questions?
You loan officer can help.

Gregory Vassilatos
Innovative Mortgage Services Inc.
17717 Hunting Bow Cir #101
Lutz, FL 33558