you have had past credit problems, don't be discouraged. There are
lenders who have a variety of special programs and mortgage products
to help you qualify to buy a house. To find out how you can
address your credit problems, we encourage you to contact
us. We can help by evaluating your credit history and
determining what your next move should be. The first step is
obtaining a copy of
your credit report and correcting any inaccuracies that may
The three major credit reporting agencies
need to contact are all located on the East Coast. You can attempt
to contact the companies by clicking on the internet link below,
or by calling them directly Monday through Friday, 8 am - 8 pm EST.
Reports usually cost between $10 to $25 and take between 1-4 weeks to receive.
inaccuracies on your credit report can be corrected by writing the
credit agencies and providing the written documentation proving
the inaccuracy, and requesting each agency correct the reporting.
The most important thing to remember when clearing your credit is
to plan ahead and be persistent. Cleaning up credit issues can
take up to a year, if not longer. The bottom line is that credit
issues do affect your ability to buy a home. Knowing where you
stand on your credit and being committed to making debt payments is
important. Taking care of your credit problems up front, will help
you buy your dream home.