Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Mortgage
Profile Image

Question By
andrewg88

0 Contributions
0 People Helped
My wife and I need real credit help to purchase a home.
My wife are seeking real credit help so that we can obtain a mortgage by September of this year. I have had bad credit for more than 8 years and i know how most of it works and i have tried everything. Lowering credit card utilization, credit repair companies (scam artists), and taken advice from multiple mortgage brokers. Nothing has worked and i cannot take anymore denials. My wife has a credit score in the high 400s and mine bounces between the mid to high 500s. We have 2 children and a dog in a small 2 bedroom apartment and we cannot find any house rentals in the area we want to live. Our daughter is almost school age so we need a good school district and i am sick of throwing money away with rental payments. I need real advice and a real plan to be able to be pre approved for a mortgage and find a home! Anyone out there with a heart, we cannot go through another year like the past 3 with these denials and sinking all of our hard earned money into credit repair trying to acheieve a home purchase. I need real help, with real results. Pretty please.
Good question?   Vote for this
May 10, 2015 Reply

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses
Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
119 Contributions
37 People Helped

I can't offer what you're looking for, but I do want to encourage you to STOP handing over your hard-earned money to scam artists disguised as 'credit repair' companies. The ONLY thing that will 'repair' your credit report is YOU, i.e., you paying your bills on time, you making sure there are no errors on your credit reports, you handling your credit responsibly, etc.

Believe me, I understand the frustration you're feeling. Been there, done that. I've gone through horrible periods of financial woes, always caused by the same problem, BIG TIME health issues (like a brain tumor). I understand what it's like to have to claw your way back up the credit report. It takes time, and there's no way around that.

Also, and I don't know if you've considered this, OWNING a home is a huge responsibility. When something breaks, it's up to you to get it fixed. Can you handle that? Can you really handle all the things that go along with owning a home? If there's any doubt, perhaps this isn't the best time to be thinking about buying. Your time and energy might be better spent focusing on improving your, and your wife's, credit ratings, and socking away money to save up for a down payment.

LinuxUserSince1991's response was:    

 
May 11, 2015 Reply
Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments
Submit to the Community

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.