Sanchess,

Rent no more. Contact me and i will assist you in getting a home. Your credit does not have to be perfect and your credit score does not have be 620 or above. With your current credit score of 545 I can get you a home. You may contact me at 2542004466 or e-mail realtylab2000@yahoo.com.

Sanchess,

Hello, and I understand what you are saying pertaining to the credit. I have actually had the pleasure of getting clients taken care with a local lender I have been using for over 3 years. She gets you all the details and completes a step by step solution to ensure you are able to purchase within 30 - 90 days dependiong on the situation. Give me a call or shoot me an e-mails as I'd be more than happy to assist! teresa.anderson@century21.com

Sanchess,

Do not worry I can help with your current credit. If you are ready to buy now e-mail me at realtylab2000@yahoo.com. or call me at 254-200-4466. I can get you financed with a credit score of 535. Just try me and you will find out.

Levi

The responses to your questions have been good. Hopefully, you have a better idea of what needs to be done so that your credit rating will improve and the dream of home ownership can become a reality! I used to live in the 76549 zip code and am still in the Killeen area. If you would like to talk to someone face to face give me a call and I will put you in touch with a mortgage lender that will take the time to explain the mortgage process and help you put a game plan together to improve your scores. My contact info can be found on my website. Good luck!

Sanchress,
Judy is not exactly correct, you can have too much credit available to you as well. You need to talk to someone about a mortgage. I would contact someone that handles FHA mortgages and USDA mortgages if they are available in your area. They may tell you to pay down some cards and tear up others. Even people that make $75,000 or more and have no late pays have been turned down for having too much credit available to them.
yes you must have some good credit open, and you should not have too much owed, you should also not have too much of a credit line. .
Talk to a lender.
You are not too far off if you talk to the right person.
Good luck
Margaret

The first step in improving your credit score is to pay everything absolutely on time. No lates. Also look into the ratio between available credit to you (e.g. credit cards, etc.) and the amount you have used. If all your cards are maxed out, this results in a lower credit rating. Take your cards one at a time, and apply as much as possible to paying the one with the lowest balance off while continuing to make minimum payments on all others. Once the first is paid off, go to the next one with the next lowest balance, and pay it off and so on. But do not cancel the cards. Remember, you're trying to show a lot of available, unused credit. Another option you might consider is joining NACA. Go to NACA.com and sign up. They offer counseling and help for credit challenged future buyers. Good luck!