As an experienced Loan Officer, there are definite ways to address your credit, and get it on the road to recovery. Have an experienced Loan Officer take a look and go over your current report with you. We've been doing this as a FREE ADDED VALUE SERVICE to our clients for years. There are numerous things which affect your credit scores. Past negative credit is only part of the puzzle. We'd be glad to give you FREE ADVICE
It takes perserverance on your part combined with expertise we can give you...Look forward to working with you.

FREE CONSULTATION:

Nathan Harary
Advisors Mortgage Group, LLC
848.667.4900.

MY OFFICE RECENTLY SIGNED UP WITH NACA. THEY HAVE A GOOD PROGRAM FOR FIRST TIME HOMEOWNERS AND THEY OFFER SEVERAL WORSHOPS TO PREPARE YOU FOR A HOME PURCHASE THERE IS AN EVENT COMING UP ON SEPTEMBER 12, 2009 IN HACKENSACK! YOU CAN CONTACT ME AT mia@villonrealty.com SO WE CAN PRE REGISTER YOU FOT THAT EVENT. THAY ALSO HAVE A WEBSITE YOU CAN GET FAMILIAR WITH. https://www.naca.com/index_main.jsp. THEY WILL TELL YOU WHAT YOU NEED TO DO IN ORDER TO PREPARE AND BUY, THEY ARE A NON-PROFIT ORGANIZATION.

Stay away from credit repair services. Most overpromise and underdeliver. And either they're doing the same thing you can do--usually for free--or else they're promising to do things (like remove legitimate black marks from your credit) that they can't deliver on.

Educate yourself on credit. There are plenty of books out there. Here's a link to Amazon (or just enter "credit repair for dummies"): http://www.amazon.com/s/ref=nb_ss_gw?url=search-alias%3Daps&…

Also, there are some credit/finance education services out there. They're not credit repair services. One I know of (I know the owner) is at http://www.cleancreditqueen.com Linda's site is kind of cheesy (and you definitely don't want to see her wearing her credit queen crown as she sings "50 Ways To Love Your Credit." But her information is actually very good.

Another good source is a good mortgage broker. The good ones will sit down with you, go over your credit report, identify weaknesses, and make suggestions on what to do to improve your score. That costs you nothing. (They're doing it in hopes that when you do buy, you'll use them; that's when they make their money.)

Hope that helps.

I have a few customers twith your problem and hey have used a local company Empire Credit Repair with this Armando person in charge and he is good!!
send me an e-mail to mia@villonrealty.com and I can send you his information, he is reasonable and he takes credit repair seriously.

Altrose,

What ever you do, due diligince is key. Make sure you check inot the companies that you caontact, although I have not been involved with one I have heard numerous stories of these companies being a little dishonest.

Check online with like NBC.com and do reserach in one of their recomended credit repair companies as I think I rememebr seeing a special report on these companies.

Good Luck.

There are so many credit repair companies out there. It's hard for the consumer to know which ones are reputable. I found a company that seems to know what they're doing and charges a reasonable price. I have a link posted at my website http://www.weldyteam.com . Good luck!
Steve Weldy

You can go online and request a copy of your credit report. All you need to repair your credit will be on the reports. Contact each of the outstanding creditors and work out a deal with them to pay off your debt which will clear your credit.