Is there any way I can repair my credit?
I have had a repossessed mobile home back in 1996; 2 cars repossessed, 1 in 2001 and the other one in 2006. Now I want to buy an acre. It’s land with a small house build on it. I am going to put it under my daughter’s name and she is only 18 yrs old. Do yo think the bank would help me with a loan to buy this land? Thanks for your advice in advance. Do I need to have clean credit. I also have student loans that are in forbearance; That just means that I don’t pay till I graduate. But I have a sucky credit history.
I am here to ask for positive advice not for critical ones. If you can’t please you don’t help be writing shit. Keep it to yourself. If I went through bad things in the past, I have very good reasons I rather not post. So, please if you can’t help, don’t help at all.
First I’d like to disagree with one of your responders by saying, no problem is too big to overcome, there have been many people with worser situations than your own who have rebounded to have great credit and own homes.
With that being said, you deserve my honesty in telling you what you’re trying to do will be hard but still possible. First let’s tackle the real estate part of the question. Forget about trying to obtain a conventional loan right now, you’ll just be embarrassed. Instead focus on obtaining a home using the following methods:
1. Owner financing – this owner of the home becomes the bank. this is very rare but it doesn’t hurt to inquire. you technically buy the home with the owner accepting payments with the home as collateral. if you don’t pay, she can foreclose just like a bank.
2. Lease Option – You lease the home with the option but not the obligation to buy. this gives you an opportunity to prove yourself and if you follow through you should have good enough credit to buy.
3. Hard Money Loan – It generally requires a 30+% downpayment, double-digit interest rate, and a short amortization period (generally 2 years or less) the goal here is to improve your credit and refinance into something conventional by the end of the loan.
With that being said, fundamentally fixing your credit will require hard work. Focus on the following 5 factors in the stated order to begin the road to recovery.
1. Payment History 35%
2. Amount Owed or Debt 30%
3. Length of Credit History 15%
4. New Credit 10%
5. Types of Credit Used 10%
For more information, please visit & follow: http://clean-credit.blogspot.com/.
Thanks and Good Luck!
What are the top 3 ways to fix credit?
I need some help with my credit, but what are the top ways to do it? I need to get my credit fixed as soon as possible! Any help would be great!
1. Pay Your Bills On Time
2. Always Make Payments Higher Than The Minimum
3. Consult Credit Experts to Get Those Bad Marks Taken Off Sooner
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This video will show how you can use free credit repair software that will assist you in creating your credit repair letters in minutes – instead of the hours it would take you if you did it all on your own
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How to Fix My Credit – Remove negative items
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Question on how long it takes to repair credit?
I’ve had good credit until things fell apart this summer. Between May 2010 and September 2010 I missed some payments and dinged my credit score. I have some additional income now. I’m caught up on my bills, and for the foreseeable future, should be able to keep up on scheduled payments from now on.
My question is: how long does it take to bring a credit score from 620 to 700?
There are several ways. Some take longer than others. By paying your bills on time it will slowly help your score. Also, if you have high balances on your debts and you bring those balances below 20% of the limit that will help. It depends on how much you can afford to pay.
The fastest way to jump your score (30 days or so) is to ask a friend or a family member to add you to one or two credit cards as an authorized user. Just make sure the card they are adding you to has a nice low balance and that it has been opened for at least 3-5 years. The older the better. What this will do is cause the account to appear on your credit file like you had the card all those years. It’s by far the quickest way to boost your credit score. I would try to get added to two cards to go from a 620 to a 700.
Best of luck.
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Improve Your Credit Score — The Process
There are four ways to improve your credit score and fix your credit, and here they are, from worst to best:
Worst Way to Improve Your Credit Score: Credit Repair Services
It’s tempting to simply pay a company to “do the work to improve your credit score for you,” but all credit repair services (that includes law firms) have two dirty little secrets they don’t want you to know.
First, because they charge monthly to improve your credit score, they make more money–up to $2,000– if they deliberately drag out the process, which is why they often take two or three years.
Second, in the process to improve your credit score you actually wind up doing MORE work than if you did it yourself. In addition to dozens of forms, the credit repair service requires YOU to personally choose which items to dispute, how to dispute them, and you have to constantly send them information that the credit bureaus send you.
Better: Follow Instructions From The Credit Bureaus To Improve Your Credit Score.
This is like the wolf instructing the sheep. The credit bureaus are NOT your friends. This approach costs nothing, but you get what you pay for. Don’t do it.
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Better Still: Do-It-Yourself Programs Methods to Improve Your Credit Score (Typically A Printed Book, An E-Book, Or An Audio Program).
There are hundreds of these programs available, but they’re out of date. If you are very organized and have lots of free time available, the process these books describe will work fairly well. . . eventually.
Best Way To Improve Your Credit Score: Credit Repair Software
There are several companies that offer credit repair software (not just an e-book). Although some are rip-offs (clue: unprofessional-looking websites), many credit repair software products combine the best of all worlds: simplicity, low price, and fast results.
Better quality credit software ranges from $97 to $1,000 or more, but there’s no reason to spend the higher amounts. Look for satisfaction guarantees and a professional-looking website.
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New Results on Credit Repair in 5 days! Removing OFF EXPERIAN!Yes WE CAN!
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Financial Chemotherapy LLS has been working hard removing negative items off peoples credit reports! I got new results from a credit repair client that I started working on her credit June 16, 2010 and by June 21, I had removed 2 out of 5 negative Items off Experian (the Hardest Bureau to work with)!! We still need to see the results by 7-30-2010…also we removed items off Equifax and Trans Union! Oh, I’m excited baby!
By the way, since my birthday is nearing, I will have a special on Credit Repair!! Look out for the price change or call me to find out more! PLUS…you know I have to see your credit report before you give me the funding for the service…cause I will tell you what I can take off and what I can add! (Trade Lines!)
By they way, before calling me, I will ask you some questions to determine what service you will need! I’m being a researcher to better serve you!
Make sure you call Gizzy if you have any questions at (973) 440-8661
Financial Chemotherapy LLC
Services:
-Debt Settlement: Reduce Unsecured Debt 25-50%
-Credit Card Counseling: Reduce Interest Rates on Credit Cards to 2-9%
-Credit Restoration: Remove negative and out dated information from Credit Report http://www.credit-debt- vendetta.com
-CPN numbers: New Credit Profile and a 725+ Credit Score
-Trade Lines: Increase your Credit Score 25 to 75 Points on Average
-Loan Mods: Attorney Based Loan Modification Services
-Short Sales: We Buy Houses! Avoid Foreclosure NOW!
-Investment Properties: We Sell Houses 2 – 4 Family with Equity (See Attached)
-Sell Property Equity Holding Trust: Creative way to acquire property w/out Credit Check
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