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How do you go fixing your credit to be able to purchase a house

  • January 03 - US
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Answers (5)

Best Answer

What is your exact credit score now? There might be a chance you can qualify for a home loan with your current credit score. Lenders like myself are able to give out loans with scores as low as 580. So if you are at the range or above, you will have a chance at obtaining a loan. Otherwise, then yes, you should spend some time working on your credit. The simplest way to fix your credit is to pay off your debt and revolving credit balance on time. Either way, the best thing for you to do is to speak with a lender directly to see if you can get started on financing with your situation. There are lenders like myself that would be glad to speak with you to help you get the loan that you need. There would only be a few more details needed to sort out your situation. Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me.

Good Luck!
  • January 03
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Profile picture for gator70
Read all data on credit boards dot com or my fico dot com forums
  • January 04
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Profile picture for wetdawgs
Yes, it would be prudent to put together a plan for improving your scores.  Here's a link to a Zillow article on credit scores explained.  It may help understand why your scores are in the "poor" category.

There are many steps to get ready to purchase a home, the Zillow's buyer's roadmap is quite useful.

  • January 04
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Profile picture for rose7625
My credit score right now is 592, 553, 546 those are my scores from the 3 different credit bureaus.
  • January 04
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Profile picture for gen4real
Your best bet is to go to a local lender or  your local bank to get a preview of where your credit is at and they can guide you through the proper avenues
  • January 03
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