anybody have advice about this company?

[LeadPencil]

http://www.cleanupmycredit.com/default.asp
my credit sucks and i want a house does this work?

[torontodude]

not really...credit takes years to build bro.

i work for Capital One and trust me it takes a while to rebuild, but if your looking to buy a house you could still get one, it depends on what connections you have, eg. morgtage broker.

[LeadPencil]

not really...credit takes years to build bro.

i work for Capital One and trust me it takes a while to rebuild, but if your looking to buy a house you could still get one, it depends on what connections you have, eg. morgtage broker.

my wife and i make about a combined 100k a year ( i have a capital one card too ) but my credit absolutely sucks and hers is not the best either, but better than mine. I never declared bankrupt but have made a couple late mortgage payments and other late payments(i just got married and had to pay off the reception and even went as late as 90days on a couple cards which i no longer have) I currently own a condo but want a house the houses we like are about 270k. I doubt anyone would approve me even though the payments wont be a problem.
any advice?

[2bshredded]

my wife and i make about a combined 100k a year ( i have a capital one card too ) but my credit absolutely sucks and hers is not the best either, but better than mine. I never declared bankrupt but have made a couple late mortgage payments and other late payments(i just got married and had to pay off the reception and even went as late as 90days on a couple cards which i no longer have) I currently own a condo but want a house the houses we like are about 270k. I doubt anyone would approve me even though the payments wont be a problem.
any advice?

Clean up your credit and have 20-25% down. Years ago I had the same problem, get a credit report and fix the problem areas....sometimes if it's bad it just takes time. Time is your friend....lol.....I was always to impatient

[LeadPencil]

Clean up your credit and have 20-25% down. Years ago I had the same problem, get a credit report and fix the problem areas....sometimes if it's bad it just takes time. Time is your friend....lol.....I was always to impatient

If i could come up with 25% of 270k i don't think i would have credit problems
I have about 20k in equity with my condo now. And my only problem areas are in the past, just late payments which almost all occurred within the past 18months

[torontodude]

clean up for the next 13 months....make sure for the next 13 months your never late for a payment for anything, no bounced checks and if you have a credit card DONT go over you limit.
Do all of this for the next 13 months in a row and the check your credit score it should go up.

P.S. don't cancel any credit cards its bad for your credit, just try to pay them off or down and leave them

[LeadPencil]

clean up for the next 13 months....make sure for the next 13 months your never late for a payment for anything, no bounced checks and if you have a credit card DONT go over you limit.
Do all of this for the next 13 months in a row and the check your credit score it should go up.

P.S. don't cancel any credit cards its bad for your credit, just try to pay them off or down and leave them

make my capital one card disappear...pls

[LeadPencil]

when buying a new construction house, does going with the builders preferred lender give you a better shot at a loan?

[dhriscerr]

my wife and i make about a combined 100k a year ( i have a capital one card too ) but my credit absolutely sucks and hers is not the best either, but better than mine. I never declared bankrupt but have made a couple late mortgage payments and other late payments(i just got married and had to pay off the reception and even went as late as 90days on a couple cards which i no longer have) I currently own a condo but want a house the houses we like are about 270k. I doubt anyone would approve me even though the payments wont be a problem.
any advice?

Have you rented for 2 years without missing a payment? Search around for banks with on site Underwriters instead of computed underwriting. They say about 1 in 5 banks will have On site underwriters, who will actually look at your individual case. If you have gone 2 years without missing a rent payment they should accept you. I don't know if you much into reading but The Total Money Makeover by Dave Ramsey is an awsome book that talks alot about money management and rebuilding credit and wealth based on your income not a get rich quick scheme, to where you will be better off. Just my .02

[torontodude]

when buying a new construction house, does going with the builders preferred lender give you a better shot at a loan?

sometimes it does.....oh and with your capital one card good luck with that one....dont want to bad mouth their credit cards, but i would never get one and i work with them...lol

[LeadPencil]

Have you rented for 2 years without missing a payment? Search around for banks with on site Underwriters instead of computed underwriting. They say about 1 in 5 banks will have On site underwriters, who will actually look at your individual case. If you have gone 2 years without missing a rent payment they should accept you. I don't know if you much into reading but The Total Money Makeover by Dave Ramsey is an awsome book that talks alot about money management and rebuilding credit and wealth based on your income not a get rich quick scheme, to where you will be better off. Just my .02

i have owned a condo for 4years and was late maybe 4times in four years

[39+1]

http://www.cleanupmycredit.com/default.asp
my credit sucks and i want a house does this work?

Hello
No it not gonna work I advice you not to pay anything upfront. Especially now wiht the crunch on. A big down payment is better than good credit maybe i shouldnt say that but I did. Get about 25% down payment. Buy a duplex so you will have cash flow in a few years move out of it rent both sides one side to pay for you new hous one side to pay for you old duplex, couple years later have eihter the duplex or the other smaller house paid for get nicer home for you and rent all three units out. 25% of your cash flow shouudl go to fixes and dont forget about taxes.

[Titan 3]

All of this info isn't exactly correct. I used to work in finance for years..... Left for fashion cunsulting believe it or not.
Credit "clean up" companies can do wonders. However, if you know what you're doing, you can do it yourself. Old "late pays" can be easy to remove, as most creditors dont have the time to fight your dispute over an old, paid debt. If you have outstanding, past due debt, you will have a hard time removing these. You need to negotiate the unpaid debt with the creditor.... Paid in full for removal of reporting. This tends to work with collection companies. You must get it in writing from them prior to giving them a dime of the pay-off, and have the cash to pay them in full. It's a lot of work, but you can make some serious progress in very little time with some persistance. GL Bro!

[nbkandrew13]

im in the car buisness i have used lexingtonlaw.com, several times and it works perfect but you have to do everything they tell you they will get 90% bad off its like 75 bucks a month i love them ive recommended it to many many people it works

[sphincter]

you're best bet for improving credit is twofold. Pay DOWN your credit so that your balance:limit is a good, low ratio on all cards/debts possible

and then pull a copy of your credit report FROM ALL 3 bureaus SEPERATELY, do not, repeat; DO NOT buy the 3 in one.

once you have EACH individual credit report you can go to their websit and dispute anything that is negative on your credit report.. up to 50% of the negative info is either wrong, or will not be confirmed.. My personal average is about 40% of things have fallen off for me and all the people who have followed my advice.

All of this can be done online with no witing for about $40-$50. any questions, just ask and good luck man.

[torontodude]

good advice bro