You may not need credit restoration. Look closely at your credit reports. Do you have at a minimum 2 open and revolving tradelines (credit cards)? If you don't hurry and get another secured credit card. Revolving Credit makes up to 65% of your credit score. Without revolving credit you aren't maximizing FICO's scoring modules.... more
Meghan, what do you consider "not good" credit? The average score is in the upper 600s, so you might be surprised by what banks are willing to work with. Regardless, the first step is to meet with a lender and see if they are willing to work with you. If not, they can help you establish a plan to get your credit (or your fiance's) where it needs to be to get a loan in the future.... more
A 640 or higher will do it. Are you buying in Houston? Contact HelpUBuy America for Exclusive Buyer Representation at no cost to you. EBAs represent homebuyers only so there is no conflict of interest to jeopardize your negotiating position. Follow the link below.
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