How to repair credit to purchase a home in the near future?

August 10th, 2008 | by admin |
  1. 3 Responses to “How to repair credit to purchase a home in the near future?”

  2. By bdancer222 on Aug 12, 2008 | Reply

    The more negatives you pay off the better. You really need a 2 year consistent on time payment history.

    The reason the scores don’t match is that you get the consumer version. I understand there’s a mortgage version, and a car loan version. Also, are you sure Triple Advantage was giving you your FICO. It’s the only score that counts.

    Another piece of advice, don’t buy more house than you can really afford. Your house payment shouldn’t be more than 25% of your monthly income. Waiting another 6 months may work out better as far as finding more house for a cheaper price.

  3. By Carolinahomerates.com on Aug 14, 2008 | Reply

    different scoring models.

    there are new score models that many lenders dont use.

    Windows Vista came out and many ppl are still using Windows XP. This is why you can see different scores with different lenders.
    Always look at the FICO scores…..they tend to be more precise.

    you can have your score go up be removing items off your credit report

  4. By Nicki W on Aug 14, 2008 | Reply

    You will want to dispute negative items about 3 months after you pay them in order to get them removed. I used a step by step do it yourself kit I got online at // I got my score up about 65 points on my own.

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