Is there anyone can help me buy an house and clear my credit at the same time.?

Question

Is there anyone can help me buy an house and clear my credit at the same time.?

Answer 1

May be you can contact a debt expert at website like http://ijug.net/debtadvice.htm .

Answer 2

You may want to try a Lease Option.  You can Rent to Own and ask that they report the payments to the CRA's.

Answer 3

Unless you're going to do a rent to own and are confident that your credit only has a couple minor things that can be rectified in less than 2 years, I don't think so.

It is far better to clean up the credit first then make an attempt at a mortgage. Nowadays it's not as easy and you have to have better credit than ever. If your credit isn't of the sterling type you'll pay double digit interest.

1. Order your credit reports from the 3 bureaus

www.equifax.com

www.experian.com

www.transunion.com

If you're ordering for the first time, get your score (for a fee) from Equifax as their scoring matters most.

2. Make copies of your report and put the originals in a binder. On the photocopied reports use a highlighter and check for any incorrect, outdate, false, etc...info

3. Download a dispute letter(s) from the credit bureaus website and list anything that is wrong. Mail them to their office(s). They have 30 days to reply.

4. If they will not remove something that is not yours or too old (> 7 years) as them for a debt validation. This may take an additional 30 days.

5. Once the 'baddies' come off, take care not to let any of your other accounts fall into that predicament.

6. If you haven't already make sure your existing accounts are current and paid on time ALWAYS.

7. Get a secured credit card with www.capitalone.com or www.mastercard.com for like $500-1000 or more if you can and use it sparingly. Charge like $50 on the card each month and pay it in FULL and on TIME. Make sure you do this for a minimum of 6 months so that you estabish a positive repayment history.

8. Problem with just letting them (collections) 'fall off' is that they may never. You may get sued before that...that's where you suddenly get a summons to appear in court and a judgment for collection against you.

For collection items...pay them but get a 'pay for delete' from the collection agency in WRITING...they'll delete it after you pay and it will help your credit score

Answer 4

Сredit repair workеd fine for me. I used this service - http://buildcredit.ifastnet.com - They disputed and removed lots of bad items from my credit report.