Houston Med Center Apartments

Houston Med Center Apartments Bad Credit Broken Lease

Houston Med Center Apartments Bad Credit Broken Lease

Med Center / Braes Bayou  Apartments That Work with Bad Credit Broken Lease

BAD CREDIT | BROKEN LEASE | EVICTION | BANKRUPTCY – APPROVED | ACCEPTED – HOUSTON

Houston Med Center Apartments Bad Credit OK. What Med Center Apartments are going to work with Bad Credit or a Broken Lease? The Bad Credit Med Center Expert Apartment Locator. The Apartment Gorilla is an expert bad credit/broken lease apartment finder, and is here to help you find your next home.

Over 60 Apartment Communities in the Houston Med Center / Braes Bayou Area. 77004, 77030, 77054, 77025. 288, Braeswood, Main, 90, Fannin, West University, Holly Hall, Inside the 610 Loop, MD Anderson Medical Center, Short Term Lease, Luxury Apartments, Bad Credit Broken Lease, Misdemeanor Felony, Apartment Gorilla, AptGorilla, Apartment Gorillaz,

 The Gorilla has built relationships with many apartment communities, leasing agents and managers over the past 10 years. Who are willing to work with past credit issues while following Their Companies Criteria. We help clients with Bad Credit, Broken Lease problems find Nice Luxury apartments to lease.  Consequently we have helped Clients with the Following but not limited to Issues.

Bad Credit – Broken Leases
Evictions
NO Credit
Foreclosures
Late Pays
Short Sales
Bankruptcy
Misdemeanor – Felony

WE WORK WITH Houston Med Center Apartment LEASING AGENTS, MANAGERS AND MANAGEMENT COMPANIES

We Work with Management Companies who Value our Clients. Furthermore they understand how to work with Past Credit and Rental issues.

BAD CREDIT, EVICTIONS OR FORECLOSURES IN the Houston Inner Loop

Houston Med Center Apartment Locator -Houston Med Center Apartments – Luxury

Have you had trouble being approved to rent an apartment due to bad credit, a Broken Lease or an Older Eviction? If you have had bad credit or a Broken Lease, you have a better chance with The Apartment Gorilla. If you have had problems securing a Houston apartment, we will work hard to help you. No one can guarantee you an apartment however; you will be working with The Apartment Gorilla, our experience and knowledge offer the advantage of saving you time and frustration versus apartment finding on your own. In conclusion, let us find your next GORILLA APPROVED luxury community!

Fort Bend Apartments

Sugarland Fort Bend ISD Apartments That Work with Bad Credit

Sugarland Fort Bend ISD Apartments That Work with Bad Credit

Sugarland Fort Bend ISD Apartments That Work with Bad Credit

BAD CREDIT | BROKEN LEASE | EVICTION | BANKRUPTCY |Misdemeanor | Felony – APPROVED | ACCEPTED –  HOUSTON LUXURY APARTMENTS

Sugarland Fort Bend ISD Apartments Bad Credit OK. What Sugarland Stafford Apartments are going to work with Bad Credit? The Bad Credit Sugarland Expert Apartment Locator.  The Apartment Gorilla is an expert bad credit/broken lease apartment finder, and is here to help you find your next home.

Sugarland Fort Bend Apartments that work with Bad Credit

First of all The Gorilla has built relationships with many apartment communities, leasing agents and managers, who are willing to work with past credit issues while following Their Companies Criteria. We help clients with Bad Credit, Broken Lease problems find Nice Luxury apartments to lease. Many of the relationships started when we first entered the Apartment Locating Business over 10 years ago.  Consequently we have helped Clients with the Following but not limited to Issues.

  • Bad Credit – Broken Leases
  • Evictions
  • NO Credit
  • Foreclosures
  • Late Pays
  • Short Sales
  • Bankruptcy
  • Misdemeanor – Felony

fortbend2

WE  WORK WITH Sugarland Fort Bend Apartment LEASING AGENTS, MANAGERS AND MANAGEMENT COMPANIES

We Work with Management Companies who Value our Clients. Furthermore they understand how to work with Past Credit  and Rental issues.

BAD CREDIT, EVICTIONS OR FORECLOSURES IN Fort Bend

BAD CREDIT BROKEN LEASE EXPERTS Sugarland TX Fort Bend ISD

Have you had trouble being approved to rent an apartment due to bad credit,  a Broken Lease or an Older Eviction?  If you have had bad credit or a Broken Lease, you have a better chance with The Apartment Gorilla.  If you have had problems securing a Houston apartment, we will work hard to help you. No one can guarantee you an apartment however; you will be working with The Apartment Gorilla, our experience and knowledge offer the advantage of saving you time and frustration versus apartment finding on your own. In conclusion, let us find your next GORILLA APPROVED luxury community!

Buy a Fort Bend Sugarland  House with Bad Credit?

I want to buy a House after this Lease, What Do I need to do?

Lease a Fortbend Sugarland  House with Bad Credit?

Bad Credit Lux Apartments

Clear Lake Apartments Bad Credit OK

Clear Lake Apartments Bad Credit OK

BAD CREDIT | BROKEN LEASE | EVICTIONS | BANKRUPTCY – APPROVED | ACCEPTED –  HOUSTON

Clear Lake Apartments Bad Credit OK. What Clear Lake Apartments are going to work with Bad Credit? The Bad Credit Clear Lake Expert Apartment Locator.  The Apartment Gorilla is an expert bad credit/broken lease apartment finder, and is here to help you find your next home. 

Clear Lake Apartments Bad Credit OK

First of all The Gorilla has built relationships with many apartment communities, leasing agents and managers, who are willing to work with past credit issues while following Their Companies Criteria. We help clients with Bad Credit, Broken Lease problems find Nice Luxury apartments to lease. Many of the relationships started when we first entered the Apartment Locating Business over 10 years ago.  Consequently we have helped Clients with the Following but not limited to Issues.

  • Bad Credit – Broken Leases
  • Evictions
  • NO Credit
  • Foreclosures
  • Late Pays
  • Short Sales
  • Bankruptcy
  • Misdemeanor – Felony

WE  WORK WITH LEASING AGENTS, MANAGERS AND MANAGEMENT COMPANIES

We Work with Management Companies who Value our Clients. Furthermore they understand how to work with Past Credit  and Rental issues.

BAD CREDIT, EVICTIONS OR FORECLOSURES IN Clear Lake Kemah

BAD CREDIT BROKEN LEASE EXPERTS Clear Lake TX

Have you had trouble being approved to rent an apartment due to bad credit,  a Broken Lease or an Older Eviction?  If you have had bad credit or a Broken Lease, you have a better chance with The Apartment Gorilla.  If you have had problems securing a Houston apartment, we will work hard to help you. No one can guarantee you an apartment however; you will be working with The Apartment Gorilla, our experience and knowledge offer the advantage of saving you time and frustration versus apartment finding on your own. In conclusion, let us find your next GORILLA APPROVED luxury community! 

Can I Buy a Clear Lake House with Bad Credit?

I want to buy a House after this Lease, What Do I need to do?

Can I Lease a House with Bad Credit?

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KIngwood Bike Trails

Kingwood Humble Apartments Bad Credit OK

Kingwood Humble Apartments Bad Credit OK

BAD CREDIT | BROKEN LEASE | EVICTIONS | BANKRUPTCY – APPROVED | ACCEPTED –  HOUSTON Kingwood Humble Apartments

Kingwood Humble Apartments Bad Credit OK. What Kingwood Humble Apartments are going to work with Bad Credit? The Bad Credit Kingwood Humble Expert Apartment Locator.  The Apartment Gorilla is an expert bad credit/broken lease apartment finder, and is here to help you find your next home. 

Kingwood Humble Apartments Bad Credit OK

First of all The Gorilla has built relationships with many apartment communities, leasing agents and managers, who are willing to work with past credit issues while following Their Companies Criteria. We help clients with Bad Credit, Broken Lease problems find Nice Luxury apartments to lease. Many of the relationships started when we first entered the Apartment Locating Business over 10 years ago.  Consequently we have helped Clients with the Following but not limited to Issues.

  • Bad Credit – Broken Leases
  • Evictions
  • NO Credit
  • Foreclosures
  • Late Pays
  • Short Sales
  • Bankruptcy
  • Misdemeanor – Felony

WE  WORK WITH LEASING AGENTS, MANAGERS AND MANAGEMENT COMPANIES

Management companies Value our Clients. Furthermore you have a much better chance of being approved when you go  through our service. because we will figure out what issues are holding you back, then direct you to the apartments that we know will be open to extending a lease.

BAD CREDIT, EVICTIONS OR FORECLOSURES IN Kingwood Humble 

BAD CREDIT BROKEN LEASE EXPERTS KINGWOOD HUMBLE LAKE HOUSTON 

Have you had trouble being approved to rent an apartment due to bad credit,  a Broken Lease or an Older Eviction?  If you have had bad credit or a Broken Lease, you have a better chance with The Apartment Gorilla.  If you have had problems securing a Houston apartment, we will work hard to help you. No one can guarantee you an apartment however; you will be working with The Apartment Gorilla, our experience and knowledge offer the advantage of saving you time and frustration versus apartment finding on your own. In conclusion, let us find your next GORILLA APPROVED luxury community! 

 

Other Houston Apartments Areas

  • Central Houston
  • Montrose / Museum District / Midtown  Highland Village / Upper Kirby / West U Houston Med Center / Braes Bayou Heights / Washington Ave Downtown Southwest Galleria / Uptown Woodlake / Westheimer Energy Corridor / CityCentre / Briarforest Westchase Alief Sharpstown / Westwood Braeswood / Fondren Almeda / South Main Sugarland / Stafford / Sienna Richmond / Rosenberg Northwest Brookhollow / Northwest Crossing Memorial / Springbranch Inwood / Hwy 249 Willowbrook / Champions – Ella Jersey Village / Cypress Bear Creek / Copperfield / Fairfield Katy / Cinco Ranch / Waterside Tomball / Spring The Woodlands / Conroe South Conroe North / Montgomery Northeast I-10 East / Woodforest – Channelview 1-69 North Greenspoint / Aldine FM 1960 East / IAH Airport Lake Houston / Kingwood Northest Houston / Crosby Southeast Hwy 288 / Pearland U of H / I-45 South Pasadena / Deer Park / La Porte Friendswood / Pearland East Clear Lake / Webster / League City Baytown Dickinson / Galveston Alvin / Angleton / Lake Jackson
Uptown Luxury Apartments

Luxury Apartments in the Heart of Uptown Some Bad Credit OK 77056

Luxury Apartments in the Heart of Uptown Some Bad Credit OK – APTG110 77056

Call to Schedule your Appointment APTG110 – 832.916.2929
Features:
Lakeside Living in the Heart of Uptown – Now Leasing!
Imagine Your Own Lakeside Retreat in Uptown
Convenient to Fine Dining, Nightlife & High End Retail
Choose from Luxurious Studio, One & Two Bedrooms
Custom Kitchen Designs, Full Size Washer and Dryer
Baths with Separate Walk-in Showers and Relaxing Tub
Ultra Chic Pool with Tanning Ledge and Beach Front
Entertain at Lakefront Chef-Inspired Grilling Kitchen
Brush up on Your Swing at the Virtual Golf Center
Cyber Lounge, 2 Story Fitness Facility & Poker Lounge
Reserve Your Sophisticated Urban Retreat Today!
This Luxury Apartment Community will work with some Bad Credit

rice_village__houston_texa

Upper Kirby-West U Apartments that work with Bad Credit Broken Lease

Upper Kirby-West U Apartments that work with Bad Credit Broken Lease

Over 60 Apartment Communities in the Upper Kirby-West U-Highland Village Area of Houston.

What Luxury Apartment Upper Kirby – West U Community will work with Bad Credit or a Broken Lease or Even an Eviction ? 832.916.2926

Upper Kirby West U Luxury Apartments Bad Credit OK – Apartment Gorilla Specializes in Leasing Luxury Apartment Communities who will work with Credit Issues – Bad Credit – Broken Lease – Foreclosure – Eviction – Bankruptcy – Late Pays – Student Loans – Tax Liens.
Every Situation is going to be Different; One Upper Kirby Community will work with a broken lease – The other will want a payment plan set up. One will work with A Broken Lease over a year and another West U Luxury Apartment Community will want it over three years. A lot of Factors come into play; Job history, re-established good rental, How old the issues are, Income, ETC…

We will go into a lot more detail later. First we need to Find you The Luxury Houston Apartment Community you Deserve – Some of the Questions we will have

Price Range –
Area you want to live
What are the Issues we will be working with
Broken Lease if so – How old is it? How much is owed? Any good rental after?
Eviction the same questions – Evictions are far harder to get approved, less and less Houston Apartment Communities want to work with an Eviction.
Not all Communities will work with all issues – Just because the Community is Featured on this site – Does not mean they will work with all issues.

We actually do have relationships with Manager and Leasing agents –

Fix Your Own Credit

Credit Repair: How to Help Yourself

You see the ads in newspapers, on TV, and online. You hear them on the radio. You get fliers in the mail, email messages, and maybe even calls offering credit repair services. They all make the same claims:

“Credit problems? No problem!”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

Do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the Federal Trade Commission, the nation’s consumer protection agency, say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.

Your Rights

No one can legally remove accurate and timely negative information from a credit report. You can ask for an investigation —at no charge to you — of information in your file that you dispute as inaccurate or incomplete. Some people hire a company to investigate for them, but anything a credit repair company can do legally, you can do for yourself at little or no cost. By law:

  • You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice includes the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
  • Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
  • It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.

DIY

Step 1: Tell the credit reporting company, in writing, what information you think is inaccurate. Use oursample letter to help write your own. Include copies (NOT originals) of any documents that support your position. In addition to including your complete name and address, your letter should identify each item in your report that you dispute; state the facts and the reasons you dispute the information, and ask that it be removed or corrected. You may want to enclose a copy of your report, and circle the items in question. Send your letter by certified mail, “return receipt requested,” so you can document that the credit reporting company got it. Keep copies of your dispute letter and enclosures.

Credit reporting companies must investigate the items you question within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider gets notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the investigation reveals that the disputed information is inaccurate, the information provider has to notify the nationwide credit reporting companies so they can correct it in your file.

When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it’s accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to give your statement to anyone who got a copy of your report in the recent past. You’ll probably have to pay for this service.

Step 2: Tell the creditor or other information provider, in writing, that you dispute an item. Include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if the information is found to be inaccurate, the provider may not report it again.

Reporting Accurate Negative Information

When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.

The Credit Repair Organizations Act

The Credit Repair Organization Act (CROA) makes it illegal for credit repair companies to lie about what they can do for you, and to charge you before they’ve performed their services. The CROA is enforced by the Federal Trade Commission and requires credit repair companies to explain:

  • your legal rights in a written contract that also details the services they’ll perform
  • your three day right to cancel without any charge
  • how long it will take to get results
  • the total cost you will pay
  • any guarantees

What if a credit repair company you hired doesn’t live up to its promises? You have some options. You can:

  • sue them in federal court for your actual losses or for what you paid them, whichever is more
  • seek punitive damages — money to punish the company for violating the law
  • join other people in a class action lawsuit against the company, and if you win, the company has to pay your attorney’s fees

Report Credit Repair Fraud

State Attorneys General

Many states also have laws regulating credit repair companies. If you have a problem with a credit repair company, report it to your local consumer affairs office or to your state attorney general (AG).

Federal Trade Commission

You also can file a complaint with the Federal Trade Commission. Although the FTC can’t resolve individual credit disputes, it can take action against a company if there’s a pattern of possible law violations. File your complaint online at ftc.gov/complaint or call 1-877-FTC-HELP.

Where to Get Legitimate Help

Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If you’re not disciplined enough to create a budget and stick to it, to work out a repayment plan with your creditors, or to keep track of your mounting bills, you might consider contacting a credit counseling organization. Many are nonprofit and work with you to solve your financial problems. But remember that “nonprofit” status doesn’t guarantee free, affordable, or even legitimate services. In fact, some credit counseling organizations — even some that claim nonprofit status — may charge high fees or hide their fees by pressuring people to make “voluntary” contributions that only cause more debt.

Most credit counselors offer services through local offices, online, or on the phone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

Tagged with: credit repair, debt

Can I Buy a House with Bad Credit ?

Meet the three-digit number that can drastically affect your ability to buy a home.

Turns out, Americans aren’t the best at money management. The average U.S. household has over $15,000 in credit card debt. Another eye-opening survey revealed that one out of every four respondents had less than $100 in savings to cover an emergency. Consequently, people are relying on credit cards to fund their expenses. All of this spells trouble from a home-buying perspective.

Your credit score is one of the crucial determining factors in whether you can qualify for a mortgage. Lenders use it to gauge your financial responsibility: The higher your credit score, the less risky you appear on paper, says Staci Titsworth, a regional manager at PNC Mortgage in Pittsburgh, PA.

Unfortunately, a lot of misconceptions surround credit scores. Here are answers to some of the most common questions prospective homebuyers have.

What affects my credit score?

Most mortgage lenders check your credit score, which is calculated based on the information that appears on your credit report. Five aspects impact your score, each varying in importance: payment history (35%), debt-to-credit utilization (30%), length of credit history (15%), credit mix (10%), and new credit (10%). A quick primer:

  • Payment history. This one’s fairly straightforward: You need to make payments on time, since one late payment can significantly ding your score. Indeed, a 30-day delinquency can cause as much as a 90- to 110-point drop on a score of 780 for a consumer who has never missed a payment before, according to Equifax.
  • Debt-to-credit utilization ratio. This is how much debt you’ve accumulated on your credit cards divided by the credit limit on the sum of your accounts. Credit experts recommend keeping this ratio around 30%. That means if you’re maxing out your credit cards each month, you could be damaging your credit score in the process.
  • Length of credit history. Having a longer credit history raises your score. Since credit agencies look at the age of your oldest account, the age of your newest account, and the average age of all your accounts, you should keep all your accounts open — even those with zero balances, says credit expert Bill Hardekopf.
  • Credit mix. It helps your score to have a combination of different types of credit accounts, including credit cards, retail accounts, installment loans, car loans, and mortgage loans. (You’re on your way to getting the last one.)
  • New credit. Each time you apply for a new credit account, you trigger a “hard inquiry” on your credit, which dings your score (typically by five points). Therefore, avoid opening multiple credit accounts at the same time, advises Hardekopf, since doing so will lower the average age of your credit accounts and hurt the length of your credit history.

What’s an ideal credit score?

A perfect credit score is 850, but only about 0.5% of consumers reach that number, according to Fair Isaac Corporation, creator of the widely used FICO credit scores. Once you’re over 740, you’re considered to be in the best range for mortgages and should be able to qualify for the best interest rates, says Chris Hauber, a mortgage loan originator with Hallmark Home Mortgage in Denver, CO. Granted, if your score is in the 700s, you should still be able to qualify for an attractive interest rate.

For conventional loans, most lenders look for a credit score of at least 620, says Hauber. At a minimum, applicants should have at least a 660 credit score to land a decent interest rate and avoid jumping through additional hoops to qualify for a loan.

Can I get a mortgage if I don’t have a credit history?

Hopefully, you opened a credit card by the time you reached age 20 — or at least started building credit by becoming an authorized user on your parents’ card when you were a teenager. (Remember, the length of your credit history plays a major role in how your score is calculated.) But if you don’t have any credit established, there are still ways to qualify for a mortgage.

“If someone doesn’t have any credit, we will try to establish credit history using alternative sources,” says Titsworth, adding that many lenders will look at monthly payment obligations that don’t necessarily show up on a person’s credit report. Have a good track record of making your car loan payments and paying rent on time? “Those habits are usually indicative of a responsible credit user,” says Titsworth.

Is bad credit worse than no credit?

No one’s perfect; mistakes happen. Maybe you forgot to pay the minimum balance on your credit card bill once or twice — or you recently met with a mortgage lender to discuss your financing options and discovered errors on your credit report. Whatever the case may be, you can always take steps to heal your credit. “Poor credit can be managed,” Titsworth points out.

Moreover, there are loan programs designed to help people with mediocre credit buy a home. Federal Housing Administration (FHA) loans have some of the lowest credit-score requirements at 580 with a 3.5% down payment. Loans backed by the Department of Veterans Affairs let military veterans put as little as 0% down on a property without having to pay private mortgage insurance.

How can I boost my credit score before I buy a home?

To get your three-digit number up to snuff, start by addressing the financial habits that damaged your score in the first place. This usually means simply paying all your bills on time each month, which is the easiest way to boost your score, says Hardekopf. If you need help adjusting your spending habits and designing a budget that makes sense for you, consider meeting with a financial planner (you can find one at NAPFA.org).

Since credit scores are often the result of having a high debt-to-credit utilization ratio, one of the best ways to improve your score is to pay down your credit card debt, says Hauber. Many experts use the 30% rule of thumb: Charges to your credit cards shouldn’t exceed one-third of your total available credit limit. You may also be able to raise your score by requesting a credit line increase from your credit card issuer; this would effectively reduce your debt-to-credit utilization ratio. It typically involves just making a phone call or submitting a request online.

Another way to mend your score is by fixing errors on your credit reports. You’re entitled to a free copy of your credit report every 12 months from each of the three major credit-reporting agencies (Equifax, TransUnion, and Experian). One in four Americans said they spotted errors on their reports, according to a 2013 Federal Trade Commission survey. The mistake may be something as simple as someone else sharing the same name as you and your bank mixing up your accounts, says Sylvia Gutierrez, a loan officer in South Florida and author of Mortgage Matters: Demystifying the Loan Approval Maze.

Caveat: Your credit report doesn’t contain your actual credit score. However, your credit card company can most likely provide your score to you for free, or you can contact a nonprofit credit counselor to find out your score.

What if I notice errors on my credit report?

If you spot an error, alert your creditor immediately. Once your creditor confirms the error, the company will submit a letter to Equifax, TransUnion, and Experian individually to get the error removed. If the error is just on one bureau’s report (like a misspelled last name), contact that agency specifically to rectify the problem. Hopefully, you spotted it early in the home-buying process, since “it can take time to get errors removed from your report,” says Titsworth. If you’re already in the process of purchasing a home, ask your loan officer to help you speed up the error removal.

Can I get black marks removed from my report?

If you’re the one responsible for blemishes on your report, such as a missed payment, contact your creditor and ask for a deletion. While this likely won’t work for a serial late payer, it might be granted if you’re a one-time offender; it also helps if you’ve been a loyal customer. If the creditor agrees to the deletion, they’ll send letters to the credit bureaus (the same way they do for errors) requesting that the negative information be removed from your report. Then the onus is on you to gather documents that show your loan officer changes have been made — such as a new credit card statement or letter of deletion — and have your lender request an updated score from the credit bureaus. This process is often referred to as a “rapid rescore” and can lead to an updated credit score in days instead of months, which can make all the difference when you’re trying to get preapproved for a home loan in a competitive market.

Should I get help from a credit-counseling agency?

First, you need to understand the difference between a credit-counseling agency and a debt-management company. If you’ve fallen behind on credit card payments, a credit counselor can help you create a plan to pay back your creditors and better manage your money for a relatively low cost. A debt-management company, meanwhile, will negotiate with your creditors to try to reduce the amount of debt you owe — but many debt-management companies charge a large fee for their services.

Unless you’re seriously in the hole, a debt-management company probably isn’t the way to go. Whether you should meet with a credit counselor, meanwhile, depends on how complicated your financial situation is and what kind of guidance you want. If you have debt on only one credit card and simply have to pay off the balance, you already know what you have to do to mend your credit score. If the situation is more complicated (e.g., you owe money on several credit accounts and don’t know which to pay off first), a session with a credit counselor may help you devise a payoff plan. Some nonprofits, like the Consumer Credit Counseling Service, offer free consultations.

 

https://www.trulia.com/blog/how-to-get-a-loan-with-bad-credit/