Hi ,

I recently used a company called Innovative Credit Consultants who were able to boost my score from mid 600's to 800 within 3 months .

They come highly recommended .

You can contact them on 1888 90 SCORE .

rgds

Sam

Speelie

I am a recruiter for a credit restoration company that helps thousands of people restore their credit. No matter how much money/equity you have, the banks and mortgage companies are tightening up and instead of consulting your bank account, they consult your credit report as a decision maker. If you want to purchase a proper jointly, you need to repair your credit. Please see http://www.vrtmg.com/epegese or email me at e.kee@live.com.

Speelie,

Good afternoon. There are many ways to improve your credit. Even though you don't have any debt your not showing the creditors that you can manage your debit because you have none to manage. They look for how well can you balance a car loan, student loan, mortgage, and credit cards all while keeping the balance low. Also I think the bigger issue that you will run into is will your income be enough to qualify you for your mortgage. They will include both of your mortgages, taxes, homeowners and any other debt you both currently have. With the current scores you should be able to qualify for a mortgage if the income is there. If I can be of further assistance please let me know. Thank you for your time and have a great day

Andres Munar
800-839-6186x334 Office
814-308-3276 Direct
amunar@prioritymortgagegroup.com

There are ways to increase you credit score in a short period of time. Please refer to the website.

Speelie,
It is hard to say without actually looking at your report but there are several ways to improve your score. You may have to wait until you are in business for a full year before you would qualify and that would give you time to raise your score. I have a few other suggestions as well. Feel free to contact me. The best of luck to you!
Michael

Michael D Delp
Mortgage Pro
4802 Old Bethlehem Pike,
Telford Pa. 18969
Ph- 215-453-1025
Fax- 215-453-1012
Cell- 610-762-0318
michaelddelp@aol.com
michaelddelp@verizon.net http://www.mortgagepro.instantlender.com

Hi Speelie, your score of 624 is fine for qualifying to purchase a home. My question would be about your income. I assume you were a W2 employee prior to 1/08. If you are still employed with that company you can use that income to qualify with. Also if you can put down 20-25 percent your employment/income may not be an issue at all.
Please call me to discuss
Dale Archdekin
215.370.1236

You may need to do a credit rescore to clean it up. It is different than credit repair. A good mortgage gal should know how to clean it up. A bk can stay on your credit for up to 10 years.

Please contact Ron Kastle of Lend America at 631-944-4048 and mention my name. He should be able to provide professional guidance.