Speak to a mortgage lender. They will have Credit counseling programs that are very helpful.
Using one of the so called credit repair programs maybe more detrimental then helpful. If these Credit repair programs charge you for their services, that MAY be in violation of NC laws too.
In most cases a middle score of 640 is needed. There are programs and lenders that will work with you if you have a 620 and down to 580, if credit scores are improving.
The biggest factors are paying off debt, and back payments. Making your current payments on time and continue on time.
Being a veteran can help. There are specific veterans programs to help you purchase a home.
Bureau Experts to repair his credit score from 515 and year later his credit score improved to 682.
Sometimes it takes up to 6 months to see significant changes. However the
company contacts you every month to inform you of any
changes to your credit reports via email and postal mail.
My attorney in Philly used them and had fantastic results! You need to get your score up higher or you're going to be paying thousands of dollars in payments because of higher interest rates.
Scott Miller, Realty Associates, Boca Raton, FL