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Feature 1Buying a home for the first time can be overwhelming for a first-time home buyer. Read more

Feature 1Want to know the status of your credit? Pull a Free Credit Report.. Read more

Feature 1Identity theft is a crime. Identity theft and identity fraud are terms used to refer to all types of crime. Read more

5 Credit Steps for Home Buyers:

1 - Get Your Free Credit Report and Score!

2 - Review your report for errors.

3 - Correct errors on your reports.

4 - Improve your score if it's low.

5 - Apply for a mortgage loan.

Monitor Your Credit Reports:

Feature 1Federal law is supposed to prevent creditors and collectors from reporting false information to the credit bureaus, but the reality is that bogus collections wind up on credit reports all the time..Read more

How to Establish Credit for the First Time

ImageIf you have been paying rent for a while, as you've indicated, you are well on your way to establishing a good credit score ... especially if you've been responsible about paying your rent on time. The same goes for paying utilities (phone, electric, etc.) or anything else that requires regular payments.

Source: http://www.homebuyinginstitute.com

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How Do I Build My Credit History?

It's true that you need to build up a good credit score history to get loans, credit cards, mortgages and other types of financing. If you do you not have any credit and are looking for a way to get started off on the right foot, a credit card is the way to go.

Source: http://www.homebuyinginstitute.com


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Understanding Credit Reports and Scores in 2009

ImageUnderstanding how your credit reports work and what they include is a good place to start. This information is used to produce your credit score, and that's what lenders will use (among other things) when considering you for a loan.

Source: http://www.homebuyinginstitute.com

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Credit Repair Services

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Be careful not to confuse reputable credit counseling services with high-cost credit repair services.

Unscrupulous credit repair services promise to end your credit woes with claims of "Bad Credit - No Problem!" and "Erase Bad Credit - 100% Guaranteed!" Others claim to be able to remove an adverse public record such as a judgment, lien or personal bankruptcy filing from your credit report.

Source: http://www.keystomyhome.org/credit/repairservices/index.asp

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