If you are looking to buy a home, first things first, pull your own free credit report once a year at www.freecreditreport.com and see how good your credit is. There are loans being approves with scores as low as 580, so don`t count yourself out of becoming a home owner.
Dispute your report in writing to the credit bureaus, accounts longer than 7 years should be removed from your history.
Keep your credit balance no higher than 50% of it`s limit.
Never, Never, pay late. Make at least the minimum payment.
Buying a home is not as difficult or impossible as some might think!
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