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Credit Score in Louisville : Real Estate Advice

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  • Home Buying216
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Activity 4
Sat Feb 14, 2015
The following is a list of documents that may be required to process your mortgage loan:

One full month’s worth of pay stubs
Last 2 years W-2?s
Last 2 years tax returns
Last two months bank statements for all accounts

Joel Lobb
Senior Loan Officer

American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119

Company ID #1364 | MB73346
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Fri Aug 9, 2013
Michael Abramsky answered:

David hit the nail on the head. Make sure that you check your credit reports approximately 45-60 days after your bankruptcy has discharged. You will want to go over your credit report with a fine tooth comb to make sure that every account you discharged under the bankruptcy is reporting as such. Often times, tradelines may report incorrect account balances, incorrect statuses, and incorrect payment histories. Make sure that every account you discharged in your bankruptcy is reporting a status of "included in bankruptcy" and that every balance is $0. You may also have the option (depending what state you are in), to contact the credit reporting agencies and request that they delete the payment histories of the accounts, leaving just the bare bones account info.

Good Luck With Your Fresh Start!!!
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Fri Jul 5, 2013
I would try and open some new debt immediately. A credit card or two would be fine and pay on it for about 3-6 months and keep the balance low in relation to your credit limits.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 fax

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*
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Thu Sep 27, 2012
Maria Cipollone answered:
You can start by checking your credit report and score. you can visit www.myfreeannualcreditreport or to get a free report, review it and dispute any discrepances with the three different credit bureaus, if you have one. If everything look fine, start shopping for a mortgage broker, they have access to many banks or private lenders with many different options.

Best of Luck,

Maria E. Cipollone
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