credit

[John Oitice]

hey just a question i have horrible credit but i really have no date and only a late payment or two on my report I'm looking for a good credit repair company too help fix it any suggestions out there 

[Frank Kriticos]

If you do the following you will be able to get an approval for a mortgage...

*Settle any past due collection/charge off's.  All it takes is one large collection to get rejected for a mortgage.

*Pay off all credit cards

*if you have any past due accounts and are showing continious lates then call the creditor and ask how much you need to pay to bring the account "current".  You need the late payments to stop following you because that alone will crush your scores.

*If you don't have any active credit cards then the last step would be to get yourself two credit cards.  If your profile shows no unpaid collection/charge off's then you shouldn't have to get a secured card.  I always prefer not to give the bank any money if it's not required. 

*After these steps are completed all you have to do is remember 2 things.  1. Never ever get yourself another 30 day late payment.  2. Don't max out your credit cards.  By following these guidelines your score will be in the mid to upper 600 range and as time goes on you will get into the 700's.  Remember that all it takes is one 30 day late or maxed credit card and you'll be back in the 500's again....

Hope this helps!