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Are credit problems keeping you from buying

A low credit score doesn't just keep you from getting a new home.  Credit scoring is now in use by most lenders including auto loans and credit cards. Even your insurance prices are influenced by credit scoring.  However, most people don't realize there are legal ways to boost your credit scores by correcting your credit report.  There are three credit repositories that report your credit history and all three use different methods of reporting which is why you usually have three different scores. 

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Is now the time for you to buy?

Anytime you can buy the house you can afford and stop paying rent is the right time to buy and with prices coming back down to realistic prices once again, it may be your time.  We are a society of home owners.  Our tax laws are favorable to home ownership and I think the American Dream still exists and today is the perfect time to find your piece of that dream.

Is it time for you to kiss your landlord goodbye?
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What to do when you have credit problems

 How to repair your credit score.

You can't buy a house because your credit score is too low. What do you do?

  1. Complain that it's not fair and rent forever.

  2. Blame it on someone else, your ex wife or husband, sickness, loss of job, etc.

  3. Learn from your mistakes, have your credit professionally repaired, go forward with your life.

If you chose number 3 we have a program for you. Before we start let me tell you some important facts about credit scoring.

  1. Scoring is not necessarily fair.

  2. Scoring is not necessarily accurate.

  3. Scoring can be improved.

  4. There is no quick fix.

  5. No removal of accurate information from your file

  6. No 30 days and it never happened.

It did happen and we can help but we can't undo years of bad habits, bad luck, or bad times just like that. Not only do we not have a magic wand, no one else does.

Some of the lies you will here by credit repair agencies.

We can get you a new file

They can get you a new social security number which will not have any of your old history attached. That is possible, it is also illegal. Those pesky people with the initials FBI call that FRAUD. You have a credit problem do you really think federal time in prison will improve your credit score? Actually it will.

Credit history, good or bad, stays on your record for 7 years so if you get caught for loan fraud and go to the big house for 7 years, your credit history should be all cleaned up when you get out. You should have a clean no file sort of like the file you would have if you did the FRAUD thing that got you in prison in the first place.

Enough of that negative stuff. There are legal steps you can do to improve your credit score.

These things are 100% legal and will put your credit score back on track. You should be able to buy a new home, car, legally obtain credit cards and all legally and at decent market rates.

http://www.clyderowland.com 

 http://www.landhomefunding.com

 

Newsflash

Anytime you can buy the house you can afford and stop paying rent is the right time to buy and with prices coming back down to realistic prices once again, it may be your time.  We are a society of home owners.  Our tax laws are favorable to home ownership and I think the American Dream still exists and today is the perfect time to find your piece of that dream.

Is it time for you to kiss your landlord goodbye?