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Yes, sometimes this type of loan is useful, but only if the loan's terms are very good-and you won't run up another credit card bill. Even then, if something should happen and you can't make the home equity payment, your home is at risk of foreclosure. An important difference: Credit card lenders www credit report free Missoula can't foreclose on your home if you don't pay your credit card bills.

But, a home equity lender can foreclose if you don't make the mortgage payment. Shop around. Get several offers and pick the loan that's best for you-not one that is best for the lender or broker. Use the worksheet on page 11 to help you pick the best loan offer you can get, and Learn about reverse mortgages. For homeowners age 62 or older, this may be a better option than a home equity loan. get free credit score These are loans you don't have to pay back as long as you live in www credit report free Missoula your home. With a reverse mortgage you can get a lump sum www credit report free Missoula of money, a monthly income, a credit line, or a combination of payment options. Close your deal carefully. Once you've found the loan you want, make sure you get the deal you were promised.

Tip: To Reduce Unwanted Credit Offers call 1-888-567-8688 or 1-800-353-0809 and ask www credit report free Missoula all three credit reporting agencies Equifax, Experian, and TransUnion not to provide information about you to companies wanting to send you loan offers. your credit history Know your legal rights and use them. You have a legal right to know: With home equity loans, you have the right to change your www credit report free Missoula mind, even after you have signed the papers. If you decide within three business days after you sign the papers that you do not want the loan, you have the right to cancel.

You can cancel by sending the lender written notice of your decision to cancel by mail, hand delivery, or telegram within three business days. For example, if you sign at 3 PM on Thursday, you have until the end of Monday to cancel. Ask for "return receipt requested" at the post office www credit report free Missoula for proof of when you sent the notice. Report things that go www credit report free Missoula wrong and get legal help. If you think that your lender is dishonest-for example, you discover fees that you weren't told about or you were required to buy credit insurance-report it! view my credit report