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I am having my credit clean up,how long will it before I can get a loan?

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August 05 2012 - Clinton
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Thank you very much.
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August 06 2012
Honestly, it depends on what is being cleaned up. From the best I can tell about half of the credit repair companies, if not more, are scam artist. So I am curious how you are "having" it cleaned up.

We wanted to buy and hadn't borrowed in many years after being overextended. I wanted to find a company to just take care of it for me, but everywhere I turned I got horror stories about credit repair companies. So I decided to lean about credit and do it myself. I was directed to www.myfico.com and read everything I could. Then I started asking questions specific to my issues. That was in November of last year, and our scores have come up about 140 points the last time I checked.

So it depends on a variety of factors including, what type of loan you want, what types of derogatory credit remain, how old are your positive lines of credit, debt to income ratios, and a dozen other factors. I would speak to a mortgage broker and see where you stand.
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August 06 2012
 
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I am having my credit clean up,how long will it before I can get a loan?
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August 06 2012 | 2 answers
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