You'd be surprised at how quickly your score will improve by paying off your debt. Just be sure not to close your accounts! It is best to talk with a lender to figure out what your score is now, and if they have any loan programs that can accommodate your situation.

If you still need to get your score improved, I suggest contacting Second Chance Financial in La Verne. They do an excellent job of credit repair in a short amount of time, and they've been around for years. (No, I don't get a kickback for referrals!)

Good luck, and congratulations of being debt-free.....what an accomplishment!

Hello,
Feel free to contact me at your earliest convenience. We offer manual approvals for borrowers with spotty credit. The fact that you paid your debt off will be a huge plus.

Josh Stewart
Preferred Mortgage Consultants Inc
1-800-839-1019

Please read the link below for getting pre-approved..

Please feel free to contact me with any questions that you may have.

Hi,
Thanks for the question -

Before the answer, some questions of my own:

1) Do you know your current score?
2) Do you have (or get your hands on) 3.5% of the purchase price towards your down payment?
3) How long have you been at your current job?

Thanks!

Scott
909-796-0156