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The majority of lenders in todays market are not taking applications if your credit is below 620. The best thing you can do is to get in contact with the 3 credit bureaus, (Trans-union, Equifax and Experian) you can get a free report once a year. Look over your report and make sure all the charges are yours, dispute any charges you dont recognize, and pay off the ones you can. Any items that arent yours or you don t recognize the credit bureaus will investigate and the creditor has 30 days to prove the charge or they must remove it. Good Luck.Tony RodriguesUSA Real Estate
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