Credit Score in Philadelphia>Question Details

rellyfinetane, Other/Just Looking in Philadelphia, PA

how do i get started to repair my credit?

Asked by rellyfinetane, Philadelphia, PA Tue Sep 17, 2013

Help the community by answering this question:



My colleagues below give good advice. You can also contact a mortgage broker. They usually have some working relationships with experienced credit repair specialists who can help you increase your score and get you on track to be pre-approved to buy a home.

When you are ready to start house hunting, please feel free to call me.

Have a great day. Looking forward to speaking with you soon.

All the best,
Larry Lichtman, CNE
Realtor, Property Manager
Your Real Estate Resource For Life
CELL/Text: (267) 254-7994

Liberty Real Estate Associates
924 Arch Street
Philadelphia, PA 19107
Office: (215) 625-4725
0 votes Thank Flag Link Wed Sep 18, 2013
Simply asking the question is a good first step.

Review your current credit reports and check for incorrect information. You can dispute wrong info directly through the credit bureaus. Be careful, though. If the creditor verifies the account, it could bring these older items back to the top of your report.

The best way is really to keep your current payments current. Don't just pay the minimum, however. Keep the ratio between credit used and your credit limits to between 10-25%. This is one of the best ways to show you are reliable and a good credit risk and will have the most positive impact on your scores.

Joshua Stein, REALTOR®
Coldwell Banker Preferred – Conshohocken

Office:(610) 828-9558 * Cell: (215) 866-8030
Direct:(484) 270-1165 * Fax: (215) 999-5894
PA License #RS317975
0 votes Thank Flag Link Tue Sep 17, 2013
Great question! Start by going to for your free credit report from all 3 credit reporting agencies. Look for incorrect items and dispute them.
Go to the library and get Dave Ramsey books and look at his website. He gives sound advice and is legit.
This is a start and stay away from people who promise to fix your credit and charge you a fee. You can do it yourself for FREE.

Good Luck and I know you can do this.

Kind Regards,

Sue Breault
Keller Williams Real Estate
0 votes Thank Flag Link Tue Sep 17, 2013
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