My daughter (age 40) is looking for a house to buy in Fort Wayne IN. Don't know her credit score but it has?

Asked by Sherrie Railsback, Kansas City, MO Wed Aug 13, 2008

to be bad - school loans and also a recent $71,000 hospital bill for one of her 3 children. Any help for a single Mom. Her 17 year old daughter wants to continue going to Northside High. HELP!

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Tony Grego’s answer
Tony Grego, , Indianapolis, IN
Thu Aug 14, 2008
Thanks for your post Sherrie.
I am a loan officer and I can help.

Here is the solution:
Like we clean our home we also need to clean our financial home. So the first thing you need to do is get a tri-merge credit report to find out just where she stands. You need the tri-merge since all credit bureaus are not alike.

Then you need to review the report for accuracy.

Third, dispute incorrect items. I do not care what folks tell you, NO ONE CAN LEGALLY REMOVE ACCURATE NEGATIVE ITEMS. While many will get them off for a month or so, they always pop back on.

All judgments need paid or have payment arraignments. Collections may need paid. Most times medical are ignored. If the last activity was more than two years ago LEAVE IT ALONE.

Your daughter will (most likely) have to document income for at least two years.

FHA (and other programs) are available for folks that demonstrate the ability and willingness to pay bills. I can go on and on but I don't have enough information. Drop me a email or give me a call at 317-714-8080. I serve the entire state of Indiana (along with the other 49) and I can give you more advise.

Kind regards,
Tony Grego
1 vote
Jody Jones, Agent, Elkhart, IN
Wed Aug 13, 2008
If your daughter has a bad credit score, there is not a whole lot that can be done about that these days, according to what I have been told by the lenders and mortgage brokers I work with. If she has a low score, she should try to get her credit cleaned up as much as possible. I would also suggest that she contact the non profit Consumer Credit Counseling Service that has several offices in the Fort Wayne area. This is the link: They do not charge a fee for their services and they may be able to help her.
Good luck!
Jody Jones
Century21 Landmark Realty
Elkhart, IN
1 vote
Andy Zoda, Agent, Fort Wayne, IN
Wed Jan 12, 2011
Sherrie: how did things ever work out for your daughter?
Web Reference:
0 votes
Adam Ross, Agent, Fort Wayne, IN
Thu Aug 14, 2008
There are solutions to her problem. If you are interested in meeting with the people that can help her get this done give me a call at 484.9191 and I would be happy to meet with her to move this along.

Thanks and good luck!
0 votes
Ron Wickes, , Conroe, TX
Thu Aug 14, 2008
Sherrie, Please take a look at the seven minute video at the website shown below and then sedn me an email. We can take care of the problem. Thanks and have a great day! Ron
0 votes
Tino Martinez, , Illinois
Thu Aug 14, 2008

check out this site
this is the quickest way to clean up credit.

call me after you review and we can get her started TODAY!

Tino Martinez
First Capital Mortgage
0 votes
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