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Credit Repair

Your Southwestern Dream Home may only be an image in your mind right now. I know it’s a daunting task to purchase a new home. One problem you may face is credit.

Before you go further than the dreaming stage, it will be beneficial to have a look at your credit and determine what you need to do before going in search of financing for your Southwestern Dream Home.

Here are five steps you’ll want to take to plan for the big day when you finally go looking for financing:

  • Check your credit reports. There are three, and you’ll need to know what each one of them says about you before you can begin to correct them.
  • Correct inaccuracies. There may be items on your credit report that are damaging, and just plain false. It’s simple to have these items removed if you know how.
  • Fix problem items. You may be able to dispute items, even if they are true.
  • Pay off old debts. Some old items may remain on your report that you were not aware of. If this is the case, you may want to pay them off to give your FICO score a boost. (Your FICO score is a number creditors use to determine your creditworthiness. It also helps them to decide what rate of interest to charge you.)
  • Balance your credit. There are several things that determine your FICO score. These include how you pay your debts (early, on time, or late), how much credit you have in relation to your income, and how much credit you are using in relation to your credit limits.
This may look like a daunting task, but it’s necessary to get your credit in order before you go looking for that dream mortgage. You might want to contact a credit repair service to assist you in the process of cleaning up your credit report.

Another option is to do it yourself. The credit repair services can do no more than you can do yourself, if you choose to. I’ve been working on our credit report for several months, and our credit rating has gone up over a hundred points. This will reduce the interest rates we will be offered for our mortgage, and ultimately save us over a hundred thousand dollars in interest over the life of the loan.

You can do this too! One of the best methods of attacking do-it-yourself credit repair is with the help of experts. The Credit Repair Bible is a wonderful resource. In this document you’ll find dozens of ways to repair your credit, build new credit, and get the credit you need to make that Southwestern Dream Home a reality. Give it a try and see if it is right for you.

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