Credit Issues

Credit issues are often an obstacle in the way of the first purchase of a home. As a first-time homebuyer specialist, I have helped many first-time buyers overcome difficult credit issues. Some credit difficulties take longer than others to resolve. For this reason, one of the very first things that you should do when you are considering the purchase of your first-time is to take a look at your credit report. You always want to have time on your side. You want to know about every credit issue that you are faced with as early as possible. My suggestion to you is to obtain a copy of your credit report right away. You can obtain free credit reports, but the free reports generally will not come with your credit score. It is very important know what your score is and what is influencing it. You may purchase complete credit reports from each of the three credit bureaus through these links:

• Check my credit report at Transunion
• Check my credit report at Experian
• Check my credit report at Equifax

Now that you have your credit report, click here for a thorough discussion about what information is used to create your credit score and how you can influence it.

What Goes Into A Credit Report?

Here Are 8 Ways To Improve Your Credit.

First-time homebuyers should have their credit in reasonably good order before starting the home buying process. I suggest that first-time buyers only begin the process with a middle credit score of at least 620 or better.

If you have a low credit score resulting from a recent bankruptcy or recent late payments, there is not a whole lot you can do except wait until your credit score climbs back up. Now would not be the time for you to start the home buying process.

If you have a low score from incorrectly reported items, here's how I can help you correct mistakes on your credit report. Let me tell you about how I've used Rapid Rescore to expedite the increase in credit score upon correcting credit problems.

If you wish to Dispute Items On Your Credit Report Yourself,  here's how to do it.

If you have a low score as a result of large debts on the credit report that you intend to pay off, here is how I can help you expedite that process. Let me show you how I can use the What-If Credit Simulator to advise you on what to pay down and how much to get the maximum increase in score for the smallest amount of total debt paid off.

If you have already started the home buying process, here is a List of Do's and Don'ts Regarding Your Credit During The Home Buying Process.

If you have questions about credit, I may be able to help. I have pulled and examined over 1,000 credit reports during my career as a loan officer. I know credit reports and credit repair very well.

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