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 .
