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Credit Score in Minnesota : Real Estate Advice

  • All222
  • Local Info8
  • Home Buying130
  • Home Selling32
  • Market Conditions1

Activity 4
Sat Jan 25, 2014
Miekeba Jones answered:
Hi Farm.coleman, Your lender or a financial consultant may be able to help you.
0 votes 16 answers Share Flag
Thu Oct 11, 2012
Daniel Alvarez answered:
Hi Jen,

First Question: Do you have any accounts currently in collections? If the answer is yes, then you would need to settle with any collection agencies or creditors that have filed derogatory marks on your report.

If you havent checked out your credit report then bear in mind that under federal law, you are entitled to receive (1) free credit report from each of the (3) credit reporting agencies--Experian, Transunion, and Equifax.

Go to: and pull one (you only need 1 for now, don't get all 3, otherwise you'll have to wait an entire year before you can get a free one).

Now if you dont see any accounts in collection (perhaps some charge off accounts,) one of your best bets is to sign up to They'll provide you with at least a $300 (or $500 dollar) line of credit assuming you don't have any recent judgements (especially a bankruptcy) on your report.

You'll have to start from the bottom up in order to improve your score.

For a good estimate of where you score stands (also free) check out:

You'll need to improve your credit score (it can take from months to years, depending on whats on your report) in order to get any loans from a local credit union.

Good Luck with everything.
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Mon Oct 8, 2012
Anna M Brocco answered:
See links for helpful information.
0 votes 4 answers Share Flag
Tue Jun 30, 2015
Dan Warnest answered:
The best thing to do is sit down with a licensed Realtor such as myself. I can go over the first steps in the process and get you linked up with a great financial expert. See my website, or feel free to give me a call. My number is on my site. I look forward to serving you!
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