Home Loans ? Repair Your Credit Before You Buy

Before you take out a home loan or make any major purchase, you should be aware that any prospective lender will want to take a look at your credit report. Your credit report is a record of all of your past financial dealings, and any loans, credit cards, judgements, bankruptcies or other major financial transactions are listed there. Along with your credit report will come your credit score, which is a three digit number between 300 and 850 that represents a distillation of all of the above. That score represents your entire financial life, and your ability to obtain financing for any major purchase depends on having a good one. What if you don't have a good record? Should you go to one of those companies that promise to repair your credit? What you should do is repair it yourself.

The idea of credit repair is a myth. There is no magic solution to fixing problem credit, and any company that promises to do so is only interested in your cash. Your credit report and score are maintained by three separate credit bureaus that keep pretty accurate accounts of all financial dealings done under your Social Security number. There is no way to quickly "fix" a faulty credit report. You can, however, fix it yourself and fix it for free. It just takes time.

The way to repair your credit record is to start paying your bills on time and paying off your debt. More than one third of your credit score is determined by your past ability to pay bills and to pay them on time. Start doing so now. It may take a year or two, but steadily paying your bills without making any late payments goes a long way towards repairing a credit score. Another third of your score is determined by your ratio of debt to available credit. If your credit cards are maxed out, you need to pay off or pay down your balances. It's tough to obtain a loan when you are already in debt to the gills.

Stop using your credit cards, if possible. Don't cancel them; just stop using them, particularly if you have a balance to pay off. You want to reduce your debt. Pay cash when you can. And check your credit report for problems. You can obtain a copy for free from the free credit report Website.

Repairing your credit record takes time and discipline. There is no quick solution other than paying your bills, paying them on time, and waiting for the damage to heal. After that, you should be in good shape to obtain your home or car of your dreams.

©Copyright 2005 by Retro Marketing.

Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation and credit counseling information and HomeEquityHelp.net, a site devoted to information on mortgages and home equity loans.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.cbc.ca/money/story/2008/12/01/bernanke-rates.htmlcid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNHfp19o4Cg-FtLR2VNLFrzzY49HNwimg src=http://news.google.com/news?imgefp=ctQuBTYJ6JAJimgurl=www.cbc.ca/gfx/images/news/photos/2008/10/20/bernanke-cp-5714734.jpg width=80 height=59 alt= border=1brfont size=-2CBC.ca/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/ap/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD94QMU400cid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNHZ-0Qk5YwO8ujxRNZg6m-xyYFAnQFed extends key bcredit/b programs through April 30/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1WASHINGTON (AP) — The Federal Reserve has extended the life of key programs aimed at busting through bcredit/b clogs and restoring stability to financial b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seekingalpha.com/article/108683-is-the-fed-taking-a-step-toward-explicit-quantitative-easingcid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNGbPlyQ3T8-UTtk4-tdWoS3rdsD0QIs the Fed Taking a Step Toward Explicit Quantitative Easing?/a font size=-1 color=#6f6f6fnobrSeeking Alpha/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Daziecc.MkO28%26refer%3Dhomecid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNHfiUSPE-DbYFxBLi20LLgJn8S-Dw‘Bernanke-san’ Signals Policy Shift, Evoking Japan Comparison/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/12/01/news/economy/bernanke_speech/%3Fpostversion%3D2008120116cid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNHhvI5wrcaUR0rS0jtVtERZqZ_65ABernanke: Economic weakness to continue/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/12/02/business/economy/02bernanke.html%3Fref%3Dbusinesscid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNGJVumqsFNy01zXqFwa7xqorQtEQwnobrNew York Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rgemonitor.com/financemarkets-monitor/254618/quantitative_easing_printing_money_like_mad_to_ward_off_deflationcid=1276516535ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNHKPGzwUpjksNXG5l66HgQq18qNGAnobrRGE Monitor/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276516535hl=ennobrall 926 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Lewtan-Wins-Credit-Magazine-Technology/story.aspx%3Fguid%3D%257B3773A946-7CF6-4045-81CD-3FACB9C1D891%257Dcid=1276754528ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNFz9deL8yScQ5cKVDjUxUTs11CYEQLewtan Wins bCredit/b Magazine Technology Innovation Award/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1The system employs quality checks that alert the user of collateral changes, bcredit/b changes and spread adjustments. This allows the user to make informed b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaCCUwx_JVw4w%26refer%3Dhomecid=1276616333ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNGwefSlH5L_ZGViYhy8Ee7guLWtpwbCredit/b Market Risks Rise as Economic Slump Claims Industrials/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr19 hours ago/nobr/fontbrfont size=-1bCredit/b-default swaps on the Markit CDX North America Investment-Grade index of 125 companies in the US and Canada rose 23 basis points to 263 basis points b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloggingstocks.com/2008/12/02/no-fix-for-global-crisis/print/cid=1276616333ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNEmP5v1GbMn7F5qqJOjY6TxcGeVMANo fix for global crisis?/a font size=-1 color=#6f6f6fnobrBloggingStocks/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da3msXapWKo14%26refer%3Dhomecid=1276616333ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNG1TAcrDH7JPJ2idXY-KLsw6lMlSwBond Risk Rises on Concern Central Banks Unable to Spur Economy/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaN2KpxyzNJDY%26refer%3Dhomecid=1276616333ei=6oE1Sbv8H4Lg6APg5bC2Dwusg=AFQjCNGUvJCWx8uyF384yjouZKb1D3vVgABond Risk Rises on China Manufacturing Slump, US Retail Sales/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276616333hl=ennobrall 10 news articles/nobr/a/font/div/font/td/tr/table
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