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:
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
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.
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
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
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.
First Time Buyer In San Diego
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