Two Things Everyone with Bad Credit must do to secure a Oklahoma Home Loan
Bad credit makes it difficult to obtain an Oklahoma home loan. However, just because you have bad credit doesn’t mean you can’t buy a home. With a few simple tips, you may be able to qualify for a home loan.
Everyone says, “Check your credit report” but no one ever tells you what to do with that information. Here you will learn three simple things to increase your credit rating.
#1 Check your bad credit
Look over your credit report to make sure all the bad credit really belongs to you. Sometimes bad credit is applied to the wrong person. Someone with a similar name or social security number may have done something that got put on your credit report. If you see anything that does not belong to you, write the credit companies. You can find ready to use forms on the Internet telling you exactly what to say.
#2 Fix some of the bad credit
Look at your bad credit and see if you can fix any of it. Maybe you owe $35 dollars to some company. Paying that off would improve your rating.
If you have broken a lease on an apartment, you may owe them money. Many times, you can negotiate a lower amount to settle the debt. This payoff can drastically increase your credit score.
Basically, scour your credit report and see what can be paid off. Anything paid off will improve your credit rating. Try your best to pay off as much as possible. This can end up saving you thousands of dollars in fees later.
After doing these two things, contact a lender who specializes in a variety of loans. You will be surprised at what is available to people with bad credit.
Resource Box
Today Lending (www.TodayLending.com) is owned by Chris and Kelly Davenport and is one of the top home lending institutions in all of Oklahoma and Texas. Chris and Kelly Davenport are also top real estate consultants in Tulsa, Oklahoma and own The Davenport Company (www.DavenportCompany.com) which services home buyers and sellers in the Greater Tulsa region. Contact Chris anytime at (918) 340.0010 for more information.
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how to fix your credit…
Credit where credit is due – I could not have put it better myself….
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