Welcome to the “How To Fix Your Credit To Buy Your House” Course!
Over my 30 year career as a financial planner, I’ve had to learn how to help people who have the resources to buy a house, but not the credit history or score and I’ve assembled that information for you in this course.
I can’t promise results of course. But if you watch these videos from start to finish and implement the ideas and use the tools I show you how to use, you could easily see dramatic results within several weeks – depending on your situation.
In this first video I’m going to show you :
- How To Take Back Control Over Your Credit Score
- 6 Easy and Quick Fixes That Can Bump Your Credit Score In 30 Days Or Less
- Where to Get the Right Credit Score (for free)
- How to Reduce Your Credit Utilization (and bump up your score) Without Paying Down Debt
- 3 Ways to Slash Your Cost of Credit.
- and more…….
Let’s get started. Please watch Video #1 now. Enjoy, and please post any questions, thoughts, or “A-Ha!” moments in the comment section below. Welcome to your first step in the journey to Freedom and Control in buying the house you want in order to raise your family.
Below you’ll find all the resources you need to fix your credit score and credit history as quickly and as easily as possible:
1. Credit Scores
– Learn how to use Credit Sesame or Quizzle to get your approximate credit score and to monitor your credit for free. The credit scores these companies provide are good indicators of your FICO score but they each provide free services that go far beyond just doing that. They actually can help you improve your score (over time) too.
– My Fico will sell your FICO score or you can use their credit score range estimator for free. Just make sure you don’t sign up for their monthly service – Credit Sesame and Quizzle do the same thing for free.
2. Refinance Your Debt To Slash Interest Costs
-Here are 3 ways to lower your cost of debt and potentially drop your credit utilization which could quickly improve your credit score.
-Learn about how to use Peer-to-Peer lending to refinance your debt and cut your costs overnight. While Lending Club is the big player, Proser is also a company you might find worth talking to.
3. Credit Reports
Consider using annualcreditreport.com to get your free credit report. As I explained, it’s far better to get all three reports at once (also free) rather than one every 4 months. This is the only way to get a full and complete picture of your credit situation.
4. Dispute Letter Templates
Here’s a good template to follow when writing your dispute but remember to write your letter in your own words. When you do, it helps get the attention of the people in the credit bureau’s complaint department.
Here’s a little more info on how to write your letter.
5. Laws That Protect Consumers
Don’t worry- you don’t have to go to law school in order to understand consumer protection laws. There are only a handful of rules to be aware of – but since most consumers don’t understand these laws, they get taken advantage of. Here’s a quick and easy explanation of the laws that protect you and how to use them.
6. Suing Your Creditors/Credit Bureaus
Here’s a cool post on suing your creditors and credit bureaus using small claims court. This is a cool tactic because the creditors and bureaus aren’t set up for this kind of thing and the cost of them appearing usually is greater than the debt they claim you owe. As a result, if you have a solid claim, they will likely settle and clean up your credit report.
7. Lexington Law Review
Lexington Law is the oldest and biggest player in the credit repair industry. It is also a law firm which is a plus. Also, they’ve helped over 500,000 people since they opened their doors and are successful in getting 10.3 items removed from the average customer’s credit report. They might be a good resource for you but I can’t be sure. They can’t help everyone. But they do offer a free consultation. After you go through the entire 3 videos, give them a try if you are so inclined. Ask informed questions and see for yourself if you think they might be any help to you.
You’re here because you want to increase your credit score so you qualify for a great mortgage. That in turn will allow you to buy the house you really want to raise your family in. That’s what it’s all about. So this first video shows you how your score is calculated and it also points out some super easy ways to bump that score up fast. In addition, this first video tells you what score you need in order to get the best possible mortgage rate.
Quite frankly, you might only need to implement the lessons you learn in this video in order to get that great mortgage. But if you’ve got some stubborn stains in your credit history, you’ll need to do more.
The second video will walk you through getting your complete credit report (it’s not what most people say it is). This is critical because your credit report is what determines your credit score. We’ll look at the hidden mistakes inside your credit report that weigh your credit score down. Of course once I show you how to identify these mistakes, I’ll show you how to get your creditors to clean them up – the right way. These are fixes you can do yourself and will help you increase your score so you can qualify for the best mortgage possible.
In the last video, I’m going to show you some black-belt techniques you can use to force your creditors and credit bureaus to clean up your credit report. And by the way, I’m going to show you that you can get some items removed from your credit report even if they are accurate. It turns out there are many legitimate ways to get negative information removed from your credit history. The shame is, most people don’t know about it.
Putting this all together, you’re going to understand exactly what credit score you need to shoot for, where you stand now, and how to achieve your goals in as short a time as possible.
Let’s stop all the jabbering and get to work. Here’s Video Two.