Yes there is. If you're looking to purchase a house, try to speak with a Loan Officer who can help you get your credit where it needs to be. It's much easier than you might think.
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797
(516) 606-9648 Cell
(516) 740-4478 Office
(516) 918-5383 Fax... more
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If there are errors on your credit reports, then you contact the specific credit reporting agency and contest the scores.
If you want to find out what you might qualify for, talk to a good mortgage broker.
If you want to improve your credit score, there's plenty of good advice online or in books. Or, talk to a good mortgage broker who should be able to give you some pointers on what issues to address in your credit reports.
Incidentally, being debt free isn't really the way to ensure the highest credit score. Don't rush out and borrow money, but be sure to ask the mortgage broker about the recommended numbers of lines of credit, and how to use them to best improve your scores.
Hope that helps.... more
Go to www.myfico.com and you'll be able to get a free copy of your credit report and score. They'll ask you for a credit card as you're filling in the information on the site because you're registering for a credit monitoring service. Your credit card will not be charged at the time of registration. Once you print your report and score analysis then you can go back into the site and cancel the service. If you don't cancel the service within 10 days then they'll begin charging your credit card $14.95 per month. Hope this information is helpful! All the best in your apartment search, Christine :-)... more
Did you buy the stuff? Is it legitimate debt? If "yes", then pay it. If your failure to pay on time has led to rediculous penalties, work out an arrangement to reduce those penalties and interest amounts and pay something closer to the original principle. Many collectors are willing to take less than the full amount. Better yet, go back to the original lender (who you originally made an agreement for credit with) and work something out with them. Nobody wants to lend money to a deadbeat that doesnt pay it back, so make sure you are not one of those and you'll have a good shot at getting somebody to lend you more...... more