Credit Repair

All of your friends are telling you ‘it is time to buy your first home’ but you are uncertain as to how to begin the process. I advise my clients to first go to any online credit reporting agency and pay a small fee to check all three credit reporting agencies for your tri-merged credit report.  If that number is below 620, you need to go see a credit repair agency. I can point you in the right direction. Trust me, there are many such agencies out there…many advertising on the side of the road or on a telephone pole!!!!  PLEASE, let me refer you to a reputable agency. It is worth the time and $ to get this done right! To live in this country, you absolutely have to have good credit…something over 670.  Email me at:  donnabosze@cox.net and I will send you the info you need to get started.

If your score is ABOVE 620, please give me a call and we’ll talk. After I get to know you a bit, I can recommend a good lender to you that I think will work well with your personality style.  You need to feel comfortable with your lender as he will know EVERYTHING about your financial well being…you need to be able to trust him/her and be able to communicate well with them.  I personally like lenders who promptly return my phone calls and answer my questions in as few a words as possible. I like for them to be proactive and watch the interest rates so they can CALL ME….not me call them…when the interest rates look ripe for locking in my rate. I want to close on time…not a few days late. I want my closing costs to be darn close to what they have promised me in writing.  I don’t like surprises. I want that lender to attend my closing with me to hold my hand and make sure that I understand everything I have to sign.