My Wife and I Are Trying to go for a Home Loan. How Can We Clean Up Our Credit? – Brad

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Feb. 7, 2010

Brad wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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“Dear Steve,

My wife and I are trying to go for a home loan here soon and have some bad things on our credit from years ago.. we don’t know how to contact them or who to talk to. We need someone to tell us the right things to pay off in order to boost our credit not lower it.

We just can’t find any help!!!

Brad”

Steve’s Answer:

Dear Brad,

You came to the right place. I’m going to make this so easy for you.

All you need to do is get the same consolidated credit report that I get, just click that consolidated credit report link. When you order the credit report, be sure to order the credit score option.

Not only is this consolidated credit report easy to read, but it also shows all three credit bureaus on it. The credit score section will tell you exactly why your score is lowered and what you can do to make it better.

All the names and addresses of creditors will be on the report also if you need to contact one. Dispute instructions come with the consolidated credit report as well.

Get the credit report and credit score, follow the suggestion on how to improve your credit report and dispute any inaccurate information on your credit report. That’s it!

Big hug.

@GetOutOfDebtGuy