There are six banks in Houlton Maine for starters..right in your own home town. See the video referenced below for the contact numbers. Sit down with a banker, make sure everything on the credit is you. I have found folks that have link, burdocks that are not them. Someone else in Maine has a large delinquent account at Jiffy's Acme Gadgets Outlet Credit, etc. Write letters explaining you had good credit before, after an event. Layoff, foreclosure, divorce, medical illness or family situation needing your all out attention. Life happens. Banks want to, need to make loans. Not everyone has stellar credit scores but many less than perfect credit options out there and be happy to guide you to them. We can help fix that credit.

Chall85, has anyone sat down with you and showed you what you need to do to improve your credit. I'm accreditted in teaching credit scoring classes and give free advise to my clients as a mortgage loan officer. My next class is November 9th but it's in Rochester, NH which I know is a long ways from Houlton. I'd be more than happy to help you out by phone and see what you may qualify for and worst case is if I can't get you approved through the many loan programs that I have I can at least go over what is holding you up credit wise so that you can get those corrected. This is no charge for these services through me.
My office number is (603)749-5626 and ask for Wayne Laverdiere.
Look forward to hearing from you.

Chall85

The simple truth is we do not know why you have Bad Credit, but it is something an Credible Lender is going to ask questions about and research....THEY would be Foolish not to as your ability to pay or your history of repayment is important...They are the ones lending a substantial amount on money...

Owning a Home is not a Right it is something one does when they are ready and capable of meeting the obligations involved...It is something that is your Responsibility to approach realistically and honestly as it is your Financial obligation...

If your Credit can be repaired then repair it or work towards doing so...Wanting to Buy and being Able to Buy are often two different things. I say this as WE do not know anything about your situation beyond the info you provide which is..You have Bad Credit but you really want to Buy so you want someone to Lend you the Money....

Dunes