Good Morning Everyone,
I am a forum newbie and feel a bit overwhelmed and lost. There is sooooo much good information however I cannot locate a beginners thread. We are finally at a place in our life where we can now focus on rebuilding our credit to purchase a home within the next 2 years (hopefully). I was wondering if there was a beginners thread like; “So you’re finally ready to fix and build your credit and don’t know where to start” type of thread. Any help is greatly appreciated!!
Just a bit of my background; I’ve made some really dumb mistakes when I was younger and have quite a few collection accounts that are sitting on my credit reports and our loan officer said my Fico score was a 603 however I tried applying for a credit card recently and took me down 40 points so that was a huge bummer. He wanted me to only take caer of one big collection account to get approved for a home loan however I would rather take the time to DEEP CLEAN my credit report and than try for a home loan so we are given a better interest rate when we go to buy. Thank you for taking the time to ready my thread!