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Question by gr8mom: Ways of fixing my credit after a foreclosure? Fast Credit Repair Answer by livnforJC23 Know better? Leave your own answer in the comments!
We just ended up getting foreclosed on. It’s a horried situation but one that could not be avoided and still be able to eat. My question is what are the best proven ways to fix your credit after a foreclosure? Cause to be honest now that the house is gone we are doing much much better. Please only commit if you can help. Thanks for your time.
Thanks so much! That helps out a lot and makes me feel better knowing that we are not the only one’s in this situation! Thanks again
Best answer:
We are also going through a foreclosure because we were relocated to a different state and the house hasn’t sold after being on the market for 18 monhs. We ahve consulted an attorney because we are not behind on anything but the house. They have told us to make perfect payments on all other credit lines for 24 months after the foreclosure and we will be able to buy again at that time. They also told us to make sure that all of our credit lines are either paid off or at least paid below 50% of the credit line before we buy. This increases your credit score. Also we have been informed to continue to charge on our credit cards for gas and groceries, but to pay off the balance every month. We had perfet credit before the foreclosure started and our score has dropped over 200 points in the last 5 months, but I am told with the economy and what is going on in the housing market that we will be able to own again soon. Good luck and keep your chin up. No one could have forseen what would happen with the market and I rest soundly at night knowing I did everything I could to prevent foreclosure, but I can’t fix the economy. We bought our home for $ 297,900 in June ’06 and it is currently appraising at $ 180,000 in mint condition. You just can’t fix that problem. We have had over 5 offers and the bank has refused them all, we offered to hand over the keys and the bank refused that as well. I reccomend you talk to a mortgage broker who can pull your individual credit and tell you what you will need to pay specific attention to before you can buy again. They will do it for free and it will allow you to focus on exactly what you need to instead of guessing. Good Luck and God Bless!
Question by nicosci2006: How to fix credit? 20 points? Fast Credit Repair Answer by O.S. Add your own answer in the comments!
Best answer:
only have a few credit cards, keep it low. make all payments on time and all fully paid. don’t go crazy with spending, try to buy only essentials and try not to use only your cards for paying for goods
Bury Your Bad Credit – Fix Your Bad Credit Score Once and For All To fix your bad credit score what you need to do first is get information on what effects your score. Some such factors you have to gain knowledge about include: How these credit scores get calculated? The amount of knowledge you are able to gain on above mentioned topics will decide how effectively you improve your scores. One of the easiest methods which is used for improving scores is of disputing errors. According to federal laws any credit bureau has to investigate disputes that you raise and provide you a reply within a reasonable time frame. In this context what the bureau does is that it sends the complaint to the creditor to validate it. Most often a creditor does not reply within thirty days which he is required to. Thus the bureaus remove such entry from your credit report when a reply is not received from the creditor. Another thing is to pay close attention to your collection accounts. With time as these accounts become older, they have lesser effect on your score. If you are thinking about repaying any such accounts then choose the recent ones. You need to be aware here that payment on a collection account resets the seven year clock for which such an account remains on your report. To fix credit score, store cards are another very good option. You can develop excellent credit history using departmental store card, gas cards & store cards before contacting banks for credit cards. But one thing to take note of is that many such stores do not report credit history on an account to credit bureaus. So before getting such card you must inquire whether they report account history to the credit bureaus or not. If you follow the above mentioned steps it will become much easier for you to fix your credit score once & for all. Fix your bad credit report once and for all. Try what works and see what doesn’t at http://www.fixbadcreditreport.net Article from articlesbase.com
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The Williams School’s J. Lawrence Connolly Center for Entrepreneurship held its first-ever Social Entrepreneurship Summit on May 2. Business administration professor Drew Hess and his wife, Megan, also a business professor at the Williams School, arranged to gather a dozen student leaders to dinner. They wanted to search for ways the campus and the Williams School could support social entrepreneurship.
