Dear Mr. Stephens,
Your situation is not as bad as you may think. Some of the answers that people have given on this website are really very poor, and not helpful to you at all. I'm sorry you have not had better advice and counseling by now. Please allow me to be of service.
I offer a full range of Real Estate and Financial services. I can help you raise your credit score, IF this is really necessary to get a loan on a house. But you may want a higher score to get better rates on your next car loan, too. I won't charge you anything for this assistance.
I can also assist you with financial planning so your family will have more money in the future. Would you like to retire wealthy, or with what you have now? Perhaps your family needs some insurance to cover life's pitfalls.
When you get ready to move, or even if you stay where you are temporarily, I can help you save some money on your electric bill. This money can go toward a down payment on a house.
When you tell me to start looking for a house, we will find what your family needs. You may want to rent for a while, as your credit score will not come up overight. I can find you a home to lease, or to purchase, whichever comes first.
The bottom line is you need some good professional advice, and then you need to take charge of your future. Don't cry over your credit score; do something about it!
Contact me for a consultation, and we'll get started. Your future starts today!!
---The Michael Group
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