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Buying a House with Bad Credit?

Owning a home is a long-driven wish of people for which they take a lot of sincere efforts. Home is the ideal place that we look as our shelter during bad times. Home is a place that witnesses our joyful moments as well as our days of despair. However, buying a home is quite a difficult prospect mostly, because of the poor credit history.

A bad credit mostly brings down a number of complications when you are looking to purchase a home of your own. This vital three-digit score and the credit report are two significant factors, which makes all the difference between rejection and sanction of a home loan. Make note that, the bad the credit report is, the harder it is to get a home loan sanctioned. However, with professionalized assistance of a credit repair company, you can improve the score and raise the fair chance of loan sanctioning.

Things to Check for Improving the Credit Score
If you are with the urge of increasing the credit score to buy a home, it is ideal to get a copy of the report from all the three reporting agencies. It is so because; the reports prepared by different agencies will differ certainly. While calculating the credit score, credit bureaus take account of:

  • Payment history: 35%
  • Length of credit history: 15%
  • Outstanding debts: 30%
  • Type of credits being used by you: 10%

Creditors Mostly Look at

  • Identity and employment history
  • Inquiries made on credit
  • How the debts are being paid by you in past
  • Public record  information

Before explaining things to a lender while writing, be specific to note down about certain factors related to your financial status and thereafter, get informed about the various options available to you for financing the home, which are:

  • Finding a trusted mortgage broker
  • The seller-financed loan
  • Mortgage pre-approval
  • Lease-to-purchase option

All such options have their own set of litigations and benefits that certainly varies from situation to situation. As per conventional wisdom, it is ideal to take expert advice of an experienced credit repair company to choose the most feasible option for your case.

Make sure to note the possible warnings generally faced in such kind of situation by taking assistance of a credit repair company so, that your credit ratio does not result in ruining the sanctioning of the home loan. Take professionalized assistance as because purchasing a home is a desire worth accomplishing.

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Happy Client Testimonials

"I found after a friend told me about them. We were able to get started right away and have my credit repaired quickly."

− Natasha L.

"I was able to buy a house after just 6 months of working with A dream come true!"

− Sally B.

"Joe was able to improve my credit score by 90 points in what seemed like no time. I drive a new car now and have my bills in line."

− George M.

"I lost my job in 2009 and it messed up my credit pretty bad. The staff at helped me get back on track. They really took the time to explain everything to me as they were doing it. Thanks for the help, guys!!"

− Robert R.

"I spent over 6 months fighting with the different credit reporting agencies over errors THEY made on my report and still couldn’t get things resolved. I called and they were able to fix the errors quickly and effectively. I wish I would have called them first, before trying the DIY approach. Would have saved me time and money in the long run."

− James L.

"These guys were upfront and honest with me about what they could and couldn’t do regarding my credit report. I also like the fact that I have an attorney working my file here. So far they have done a great job and I am seeing a big improvement in my score."

− John C.

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