If you are not looking to purchase in 2010 way go thru all these steps lending coullllddddd change between now and 2010
However I have do credit repair consultanting, owned a successful credit repair company, lectured to 1000's it does not matter if you take a loan or not your credit scores were pulled it will drop scores approx. 5 -10 points per pull.
I instruct anyone don't ever allow anyone pull credit till you are ready to purchase anything from a car, home and etc.
EVEN WITH MY personal purchases from real estate , to cars I have standards when my scores can be pulled,
NOW you can talk general terms if you have a estimate what your scores are.
Scores naturally increase daily when you pay your bills on time, reduce your debt ration by at least 50% or more never close an account.
National Featured Realtor and Consultant, Mortgage Loan Officer, Credit Repair Lecturer
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