My name is Manny Moumdjian with EZ Choice Financial Corp. I have read your thread and I'm wondering if you would like a free consultation on what can be done with your credit to possibly increase your credit scores? If you would, we would just need to see your credit reports to give you an accurate evaluation over the phone. We are located in California and help consumers nationwide. We would love the opportunity to share our vision of where your credit could be in the next 3-6 months. If you are serious about buying home in the very near future, please contact us for a free credit evaluation at: (888) 349-6690 or (562) 598-5277 Please ask for Manny.
I have read a few of the previous posts. They all are seeming to give you good advice. Jeri Creson was spot on. You need to raise your scores and that will take a bit of time. It will make a difference to pay your credit cards and catch up. Another hint would be to lower your credit card debt to half of what the max limit is if possible. As my job is more lending than credit counseling, I have observed this enhancing credit scores quicker than most methods.
I am going to refer you to one of the best credit counselors that I know of. His name is Manny Moumdjian. He is with EZ Choice Financial. His phone number is 888.349.6690. His website address is http://www.ezchoicefinancial.com.
I have referred Manny at least 30 times and I have yet to have one customer say anything but complimentary things about him and his firm. Many of the counselors that I have met in the past are only as good as their last customer. Manny has withstood the time test and seems to keep getting better at what he does: credit counsel borrowers like yourself to eventually higher credit scores. It will take work, discipline and time to rebuild your scores, as Jeri said. Manny will be a great guide for you. He will even offer a money back guarantee if you are unhappy with the results.
Good luck to you.
Wallick & Volk (928) 556-0600 is a local Lender in Flagstaff. They have someone that will take one thing at a time and straighten it out for you.
They are very easy to work with and have many good programs, all aimed at making it possible for you to buy a home. I would be glad to take you over there and introduce you!
Beth Till (928) 606-0442
The best course of action is to meet with a HUD approved credit counselor. You can find them here http://www.hud.gov/offices/hsg/sfh/hcc/hcs_print.cfm?webList (printer friendly version) or here http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction .
PAUL WELDEN PLLC
Exclusive Buyer's Agent
Buying a home is a serious event, and as the financial crisis has taught us all too well, one that needs to be approached with care and conservatism, not rushed into with wildly unrealistic expectations. I would encourage you to take this time to re-examine the spending, lifestyle - and savings patterns in your history, and establish, first, a pattern of regular savings, of regular budgeting and a mindset towards long term growth acheived one small deduction from your monthly pay at a time.
Some financial institutions offer the WISH program or an IDEA (Individual Development and Empowerment Account). One of my lenders, Phil Chenier and Pacific Mercantile Bank in Irvine, Ca offers this program. It's a savings program with matching funds available to apply to your down payment once you are ready to purchase a home. It's a great jump start on your future.
Good luck to you!