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cluelessmom

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Should I pay and how do I go about doing so?
I am currently trying to become a first time home buyer but my credit scores are in the 520 range and i've been doing a lot of research on here and just wanted some more insight i have 6 accts in collections one being a credit with a 5664 balance on it and the others are relatively small... I drafted a letter to ask the companies to send me a letter saying they will delete the items from my report once they're paid... but what are some other ways to boost my credit rather quickly... i've gotten a secured credit card, im going to be added to my parents credit cards as an authorized use? any idea?

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Most mortgage lenders require that all collections be taken care off prior to getting a mortgage. Remember though, that sometimes it is better to let things age off if the accounts are old enough. Best advice I can give is to slow down, understand that nothing is really quick with this, continue to read all that you can.

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