Credit Score in 14221>Question Details

Erin, Home Buyer in 14221

how do i go about fixing bad credit in order to buy a home?

Asked by Erin, 14221 Wed Jun 1, 2011

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2
Pacita Dimacali’s answer
Here's a good link to an article about how to repair your credi

http://e-creditscorenow.com/index.php/creditrepair

Highights

From my perspective:
1. Get your credit score information
2. Consolidate your credit cards, get rid of others by cancelling them. Cutting the cards doesn't do it. CANCEL them by contacting the credit card company and officiallycancelling the account.
3. Pay your bills on time --- for credit cards, pay more than the minimum otherwis, you'll never get ahead
4, Don't apply for new credit accounts (from department stores, etc.. just to get a discount at your initial purchase)
5. Curb your spending
6. Establish good habits, and live within your means, i.e., you make more money than you spend.

Good luck!
0 votes Thank Flag Link Wed Jun 1, 2011
You can begin by acquiring your credit report from each of the credit bureaus, and if applicable dispute any negatives; you can pay down debt; pay off old debt; pay all bills on time; keep credit cards below 50%, etc.
0 votes Thank Flag Link Wed Jun 1, 2011
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