*This post was sponsored by CreditRepair.com. All opinions and thoughts are my own. Your results will vary and are not guaranteed.
As you all may know, Keshaun and I bought a home earlier this year. Now it definitely wasn’t all roses and raspberries. It took some serious tests to pass in order to even qualify to buy. Prior to our home search, we heard that great credit was a must. With both of us being college graduates with a lot of student loans, this was a bit mind boggling. Would we get approved? Will they frown at the amount of our student loans? Will we have the proper credit scores in time for our deadline? To briefly answer all these questions, your credit won’t fix itself; it takes serious work and preparation. Actually repairing your credit can be difficult, but you don’t have to do it alone. Call CreditRepair.com to help you out!
CreditRepair.com can help you address any inaccurate, unfair, or unsubstantiated collections, charge offs, late payments, liens, bankruptcies, and repossessions that appear on your report; however, there aren’t any guarantees. The success varies from client to client. Being denied shouldn’t leave you feeling defeated. CreditRepair.com is one of the most recognized names in credit and they truly work with you to check and challenge your credit score, which can ultimately change it!
Both of us went into our home search with debt; it’s quite rare these days that no one does. One of the main things that helped us was not only keeping our bill payments current, but paying more than the minimum. When it comes to buying a home, it looks much better to the lender to have not only a high credit limit, but also a pretty high available credit. Keep in mind, I only found this out recently, after all my reckless spending in college. Reckless spending doesn’t have to harm your credit score for good though. You can call a credit advisor today and kickstart the comeback on your credit with CreditRepair.com!
One thing I learned from my parents was to boost my credit score early. I ended up applying for my first credit card right when I turned 18. I was able to establish credit by doing regular spending and paying timely. I was even able to get my first car, with the help of my father, while I was in college. As I mentioned earlier, I had way more credit cards than I could technically handle, and my minimal income didn’t allow me to pay them off as quickly as I would have liked. It helped because I still made my payments on time, even if it was the minimum. One thing I will say is that having all these cards with big credit limits allowed me to joint qualify for our home. It was also equally important to us to keep tabs on our credit scores prior to applying, to make sure we were even in the proper ballpark before we considered purchasing. One of the best things about CreditRepair.com is that during your initial phone call, you get a TransUnion Summary Report and FICO® Score for free. It helps outline not only what your score is, but what is impacting it. Having all this information is very useful before deciding to buy a home because it gives you a clearer idea of where you stand financially!
Credit monitoring is just a small percentage of what CreditRepair.com offers its customers. They also offer:
They are a leading provider of credit report repair services in the United States and CreditRepair.com and their team of credit advisors really help to educate and empower individuals to achieve the credit scores they want and deserve. They give you an online dashboard to keep tabs on your credit score and report, as well as any creditor and bureau interactions. You can request text and email alerts and also download their mobile app for credit monitoring. For more details about CreditRepair.com, please check out www.CreditRepair.com!
Photos: Keshaun Fudge
My husband and I are really lucky to have zero debt at this time. We hope that in the next few years we can begin saving to purchase a home. It’s good to know what to keep in mind with our credit!
Wow, that sounds amazing! Having decent credit is so important nowadays!
This is so important for people to learn early on … great post. Thankfully I am like a hawk about my credit score.
It’s so important to stay on top of your credit! I’ve had several experiences where there were things on my report that didn’t belong to me
Hey Darling,
What a Beautiful Home and thank you for sharing all these important credit informations:)
Wish you Beautiful Sunday
Hugs Karina
Having good credit is so important and keeping an eye on it is just as important. Thanks for sharing this message!
That’s great you were able to try CreditRepair with Keshaun. Maybe I should look over my credit as well – seems like a great way to take care of it!
xo Samantha