fix credit rating

americanflashing@verizon.net asked:


my credit rating is low. I can afford to buy a house just bad credit is stopping it.

Justin

Gressly Stevens asked:




When it comes to your credit you cannot be too careful and that is why it is very important that you use the credit rating online services that are available to you so that you can check your credit score at least once every 6 months. This is very easy for you to do and there are many sites that are dedicated specifically to your needs when it comes to checking your credit. Here are some things you need to know about how the credit reports work.

First, the importance of your FICO score has got to be something that you understand. Those that have bad credit tend to live in denial and they just cannot believe they have ended up where they are. This is no way to live and you can avoid it by knowing what your FICO score is and what it means. Simply put this is your actual score that the banks, lenders, and other financial organizations judge you by. It may not seem fair, but it is the system that we use and it will not be changing anytime soon, so learn about it and use it to your advantage.

Second, when you check your credit rating online you will have instant access to see what is going on with your report. This is very important because if you had to wait for a mailed copy and someone had stolen your identity, then they could be running up thousands of dollars of debt in your name before you ever get your report. This is not something you should have to wait for and that is why getting your credit rating online is the best and the only way to go.

Last, when you check your credit rating online you need to print a copy of the report for your records. It is nice to be able to compare one report to another when you check it again in 6 months. This will show how much debt you have paid off and will help you to spot anything that is not yours or is incorrect. It will also help you to see what has been fixed and what has not been fixed on your report. This is one of the best ways to keep up with what is going on in your financial life and if you do not have the time you can always hire a company or a service to monitor your credit for you.

Dora

eHow asked:

Raise a credit rating by getting a copy of all three credit bureau reports and disputing any duplicate or bad accounts. Improve credit scores by contacting creditors and making sure all good history is listed on a credit report with tips from acertified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

Edna

Terissa M asked:


My husband has poor credit and is stuck in an ARM loan on his house, which he has NEVER missed a payment to. He is currently with Wells Fargo and they are requiring 2 tax years at the same job before they will refinance us. Does anyone know a company that is reputable in working with people with low credit and can refinance us into a FIXED rate?
the house loan in 74,000 the tax appraisal (this is the lowest appraisal) is for 89,000 most likely can be appraised for over 100,000
his interest rate is 9.95 =( I do not know where the original loan papers are think his X has them so i do not know why it remains so high

Elsie