It has been a while since my last post. I have had some bumps of my own. Causing a great delay in my quest to repair my credit.

First of all, I have as of today to see my credit reports. I did request them. I requested my Free Copy. I had some issues with the credit card companies to due the Fraud Alert I had placed several years ago.

Anyhow, I finally did visit FreeCreditReport.com, that was a disaster. I am not pleased. I obtained one Copy, then they charged my Bank Card to sell all three. Again, as of today, I have not seen all three.

Finally, I have just applied for a Visa and yes, it was rejected. However, I get a Free Credit Report from the reporting Agencies.

This is frustrating, to say the least. My goal is to buy my home this year. I am determined to purchase my very own home. I of course need to find a lender willing to sign me a mortgage. I know the property I want.

Another frustration, I have contacted several Realtors’ and Lenders to guide or provide me with the guidelines the banks are looking for. I know taxes, bank statements and form of income are required.

After, getting a glance at the Free Credit report, my FICO score reads 550! Is that low or what!?

I have learned a lot about negotiating down the interest rate and asking about Credit Card incentives. Considering I do not have any credit cards, I have recruited my Dad. I will call on his behalf and see if this tips actually work.

If you have any suggestions, I would most appreciate it .

I have not had a chance to update my progress here. I have been busy helping friends and finding ways to reach out to others.
I stumble upon this story today; about a Girl from the Great Depression. Commons sense she shares with us all. DO NOT OVER EXTEND yourself. I do not like to have debt. Not at all. I am sure many of your have debt for various reasons. However, her story is one that can make you wise. Smart is learning from your mistakes, however, a wise person learns form others.
Here is the video and please share your stories.

This blog has a life of its own. Sure, I understand how important credit score is to an individual. As I stated previously, I woke up one day to realize I had no Credit History. I do have my own business and a business I run with my husband. Now, all the credit for the Company is under the Corporation. We do not sign any Personal Guarantee.

Alright, so I was talking to a friend about my new blog. OMG… she needs help! She recently received a notice from the IRS, she apparently has had a lien against her for the some time now. At least 3 years. So the questions is, call the IRS or mail them? How can she get this removed? Why wasn’t she informed about this? Why…why…why…

Recently I decided that it is time for me to face the UGLY in my life. My UGLY credit report. Its like waking up and saying time to lose weight.

I have noticed that your Credit Report indeed reflects a lot about you as a person. Just as having a weight issue. I want my life o reflect order and love.

So, on Monday I decided to hit the internet and search for information on how to repair my credit. The biggest question was where do I start. Then HOW and Can this possibly be done. With the current economic state of our Country lenders are being more stringent and it is said that people with 700+ FICO scores will have a hard time getting a loan as well.

Alright, I know I can do this. So I started doing more research and applying for Credit Cards to rebuild your credit. DENIED! Of course they kindly let you down, but nonetheless I was DENIED. I was also surprised to have been denied for a Checking Account with Wells Fargo. I do have two checking accounts in good standing; so that I will have to investigate.

So, I bit about my past credit. I have not had ANY credit cards for 7 years. I have not purchased a car or home, not even a utility bill is under my name. Nothing! I married and all of it is under his name. All bill paid etc… I allowed myself to fall into a comfort zone. Not too long ago, he experienced some financial problems with his company. That total scared me. How can I help if I do not have any credit history? Total SOL…

Well, like I said, this is going to be interesting. I do not want to pay for Attorneys or Credit Agencies removing anything in my credit report that I can possibly do myself.

The following are the 3 steps I will take this week to Help My Poor Credit this week

1)     Get copy of Credit Report from the 3 Agencies

2)     Get my FICO Score

3)     Research on how I can accomplish my goals

My Goals

a)    Have a Wells Fargo Checking account

b)    Department Store Credit Cards /American Express

c)    BUY MY OWN HOME in ONE YEAR or less

So let the fun being. If you have any tips please send them in I will look into them and report to you my progress.  

Now, let me make one thing clear. I do not want to get in debt. Nope, but I want to be able to have the credit available to me if I wish to use it. Now the mortgage is a whole other scenario. I will be searching for MY dream home.

Here is to Financial freedom   J