I need advice on how to clean up credit to start home buying process?

Profile picture for p1nklem0na1de
My husband and i have improved our credit but its still got some nasty spots per say.  We are intrested in purchasing our first home some time in the next year.  We went to a credit company to get some advice but i swear we knew more than they did.  We need some good solid advice to help us grow and become ready for this venture.
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August 01 2011 - Citrus Hills
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Answers (6)

Profile picture for jmorris55
Hello,

I work with a lot of people for years.  I hear your frustration and hear this a lot.  I believe I could give you some good direction and help you.  I have a network of people who would be happy to help as well.  I am a Citrus County agent.

Please be careful with the advice you get and some things suggested could actually hurt your credit even more.
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August 03 2011
Profile picture for BuyTheSea
I would check with your real estate professional.  They should know a lender that will help you.  In order to get your business later.  One of my clients just bought a home and they had filed for bankruptcy less than 2 years earlier.
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August 02 2011
Profile picture for AZCarlos
I suggest contacting a lender that can help with credit repair and disputes, in the event that some stuff on the credit is not yours. I have had many clients work on credit over period of months or even a year or two and are able to buy with no issues after the credit has improved.
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August 02 2011
Profile picture for LUXURY HOME LOANS CA
The lender that was telling you what he had done. What were you doing? All the credit enhancement programs suggest what should be done. You are the one that has to do those things.

Happy funding, Rudi
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August 01 2011
Profile picture for p1nklem0na1de
Thank you.  I worked with a lender last year who promised the world to me and nothing happened.  Luckily we did not end up paying him because he never did anything other than send me emails telling me what he was doing.  I will have to call around and see what i can find.  Any suggestions for my area. Central Florida??
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August 01 2011
Profile picture for Matt Hiatt
Check in your area for a Real Estate agent that might be able to refer you to a good, qualified lender that does credit repair. I work with  lenders that are good and do not charge for this service (beware of some of the ones that do charge). They do it for free because they hopefully get the benefit of your loan.
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August 01 2011
 

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