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News: MORTGAGE RATES NEAR JANUARY LEVELS
February 21, 2008 McLean, VA – Freddie Mac (NYSE:FRE) today released the results of its Primary Mortgage Market Survey® (PMMS®) in which the 30-year fixed-rate mortgage (FRM) averaged 6.04 percent with an average 0.6 point for the week ending February 21, 2008, up from last week when it averaged 5.72 percent. Last year at this time, the 30-year FRM averaged 6.22 percent.
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It pays to get a better rate and reduce your monthly payments and your overall loan costs. Many people use their home equity when they have current financial needs that need to be taken care of. Consider using your home equity if you need to consolidate debt, pay for tuition or college loans, make home improvements or buy a car.
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If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of CRA is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.

The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. Click Fair Credit Reporting to see many of the questions that consumers commonly ask about consumer reports and CRA's - and the answers!

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