Asked by Sharima Allen, Philadelphia, PA Fri May 4, 2012

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Anna M Brocco, Agent, Williston Park, NY
Sat May 5, 2012
See link below for helpful information...
1 vote
Kevin and Da…, Agent, Philadelphia, PA
Fri May 4, 2012
Hi Sharima,

Here's the formula. Number One - Reduce all debt balances as much as possible. Reduce your credit account balances down to a minimum of 50% of the credit limit. Balances and less than 30 day payments are the key! Second - Pay off all judgements, liens, charge offs, etc. Make sure that you forward paid receipts and/or letters directly to the credit bureaus yourself. Don't depend on the creditors to do it! Third - You must off set your negative credit with good credit by going to and apply for SECURE credit cards for bad credit (First Premier, Capital One, Orchard), or where ever you get traditional credit, so that you can begin to establish some good credit. Don't make new purchases with the cards, pay off the balances from the fees and annual charges that incur. Fourth - Be patience and in 60-90 days your will have good credit scores guaranteed!!! Also, no company can permanently remove debt that you truly owe! No one!

Good Luck,

Kevin and Darlene Jamison
1 vote
Larry Lichtm…, Agent, Bala Cynwyd, PA
Fri May 4, 2012
Hi Sharima,

There is a company that promotes their NEW BEGINNINGS program. They will analyze, review your credit reports with you and develop a strategy to get your score where it needs to be to get you pre-approved for a mortgage. Here is the info:

"If you’ve ever wondered what you could do to strengthen your creditscores, we have some very good news.Our mortgage professionals can guide your present denials to a better, stronger creditprofile as quickly as possible with our exclusive “New Beginnings” program.
We want to help… so give us a call.

Vantage Point Bank will develop a plan that is specific to your situation and help you achieve your goal of home ownership. Our “NewBeginnings” program has helped thousands of people obtain home loans.We have proven methods and documented results. There have even been cases with success in as little as 10 days.
Michael Santosusso, Associate Financial Consultant
NMLS #697020
1926 Greentree Rd. |Suite 110
Cherry Hill | NJ 08003
Vantage Point Bank
Office: 856-751-7735
Cell: 215-687-1032

GOOD LUCK WITH YOUR CREDIT REPAIR. Once you secure your pre-approval, When you feel you are ready to start house hunting, please feel free to call me. It would be my pleasure to help you locate your next home and negotiate a great deal for you.

All the best,
Larry Lichtman
REALTOR, Property Manager
Your Real Estate Resource For Life
Cell/Text: (267) 254-7994
DJCRE, Inc. (Formerly DJ Cilione Real Estate)
1611 Snyder Avenue
Philadelphia, PA 19145
Office: (215) 271-7070
1 vote
Terry McCarl…, Agent, Cape Coral, FL
Thu May 10, 2012
Pay down your debts as much as possible - pay on time and register to opt of credit card offers by going to - you do not want to have your credit ran often - it drives down your score.
0 votes
Stephanie Uff, Agent, Philadelphia, PA
Thu May 10, 2012
Do you know your current score? That is the best place to start...
0 votes
Dmytro V. Bo…, Other Pro, Havertown, PA
Sat May 5, 2012
Please contact me at your earlier convenience.
I am refer you to a company that deals with this exactly.
ad they ARE NOT expensive.
Dmytro V. Bova
Realty Mark - The Diamond Group-Real Estate Sales
Main Line Investors Group - Property Management
700 E. Township Line Road, Suite 100
Havertown, PA 19083
Tel: 610-348-8389
Tel: 610-449-1919 x.223
Licensed In Pennsylvania
0 votes
Deluxe Realty, Agent, Las Vegas, NV
Fri May 4, 2012
Debt to income ratio should be low; contact multiple lenders, provide them all your info, and they will tell you what ou need to qualify for a loan and get your credit improved.
0 votes
Sheri Curci, Agent, Newtown, PA
Fri May 4, 2012
Good Evening Sharima, We can get you to a cost free consultant that works well with our clients.

Feel free to call us for a confidential Talk?

All the Best John + Sheri RE/MAX Properties 215-757-2889
0 votes
Alain Picard, Agent, Puyallup, WA
Fri May 4, 2012
If you currently just lack credit history then you can click on the link below and read my blog "Building Credit From Scratch" but if you have some negative things on your credit report then you could talk to a credit repair agency or simply just sit down with a local lender who knows what they're doing and have them help you.
0 votes
Vadim Borisov, Agent, Bensalem, PA
Fri May 4, 2012
Call me at (215)447-8725
I have a local credit repair agency.

Vadim Borisov
YouList Realty, Inc
0 votes
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