I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection accounts to rebuilding credit to building credit from scratch on their website. http://www.consumer-action.org/
Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Find more from the FTC HERE. http://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself
PowerHouse Solutions, Inc.
1010 Northern Blvd. Suite 234
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services
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Is that $20000 U.S. dollars Philip? Usually with financing in America for resident aliens they require at least 50% down. Also you would need to provide what type of Visa your are here on and also you would need to obtain a social security number in order to get employment. If you obtain financing in Ireland that could be easier for you but you would want to consult with an experienced international attorney who handles real estate and immigration.
If you need any further assistance I am a member of FIABCI/International Real Estate Federation. I can be reached via firstname.lastname@example.org.... more
The credit inquiry when they pulled your score will count as an inquiry but the reasons they check for not giving your credit do now show up on your report. Companies are required to send you a denial letter if they do not approved credit within a certain amount of days. Unfortanately they can click one or many boxes as reasons you did not receive credit. It shows up in their records, but will not show on your report.