February 18, 2007
Buying a Home with Bad Credit - Part 1
Buying a Home with Bad Credit - Part 1
The worst thing about buying a home with bad credit isn't that it's really all that difficult. It's the fees and interest rates you'll have to pay for your home mortgage loan. Use the following techniques to repair your credit and lower the rates you'll pay.
First, see what's in your credit file. If you are denied credit based on a report from a local credit reporting agency, you can request a free credit report from that agency within 30 days.
If there is anything to dispute in the report, write a letter to the agency. Explain exactly what is incorrect, and they must investigate. Send copies of canceled checks or any other documentation by certified mail.
The agency has to (by law) contact the source of the disputed information. If they don't receive confirmation of the debt within 14 days, they have to delete the item, and send you an updated report. You can also demand that they send a corrected report to all creditors who received your credit report in the previous six months. This won't be done automatically, so be sure to demand it.
If the item is under $500, or over a year old, creditors often won't bother to respond. Therefore, "fixing" a credit report is possible even if it is correct to begin with. You also have the right to dispute the item again after 30 days.
There are other things you can do to fix your bad credit. Stop charging things on credit cards. Don't have more than five credit cards. Keep balances to less than half the limits on the cards, even if this means transferring debt from one card to another. Stop making your credit score worse, and time alone will help (many items will be removed after seven years).
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