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 .

Looks like the Government now wants to help Americans finding themselves in debt. This is interesting and I wanted to share this. I have been gone for a while. I have so much to talk about since my last post. As you know, I myself need to clean up my credit and want to obtain credit. Simply, I want to repair my own credit report and obtain a home loan.

Here is the video, let me know what you think.