Depending if you want a career in Credit Analysis or looking to find information on your own can be found at a local job resources office. When searching for your own it can be found at your local bank.
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Yes. underwriting is the process where they do final verification and approval of your loan ensuring that you have provided all the appropriate and truthful information. In banking, underwriting is the detailed credit analysis preceding the granting of a loan based on credit information furnished by the borrower, such as employment history, salary and finances; publicly available information, such as the borrower's credit history, which is detailed in a credit analysis and the lender's evaluation of the borrower's credit needs and ability to pay Mortgage company means nothing, underwriters mean everything as they represent the financial part of the institution giving you the loan to buy the house.
== == Credit reporting agencies (eg. Equifax) gather, store, and update information about the credit history of individual consumers based upon information that is reported by third parties. This information is then compiled into a consumer credit report, which summarizes a person's credit history. Credit reports provide detailed information on the personal credit and payment history of individuals, indicating how they have honored financial obligations such as paying bills or repaying a loan. The credit reporting agency Equifax provides a website with helpful information on credit. It's written for the general public, so it's very easy to read: http://learn.equifax.com. I highly recommend it.
Transunion is one of three credit reporting agencies that provides information to potential creditors on your personal credit ratings and issues. The report contains information such as any defaults of the consumer, his/her identifying information, and a credit rating, or grade.
The contact information for Unitus Credit Union from the Unitus Credit Union official website. The site provides the physical and mailing address for the company as well as phone numbers.
One may find more information about home mortgage for people with bad credit from the site Home Guides. They have some very detailed information on how should best approach this.