Reviewing your credit is the VERY FIRST THING YOU NEED TO DO, before making a home offer
It happens to the best income earners and even somebody who believes they are very careful with their credit...devastating credit reports.
Be prepared! (A good motto borrowed from the scouts) You can never be too confident about what will show up on your credit bureau file.
I specialize in credit analysis and repair planning. Most of the items I see popping up on customer bureaus are total surprises to my customer. Items like unpaid collections for parking tickets or an old cell phone contract that was supposed to have been paid. I can't tell you how many times I hear "Hey! I paid that bill...On time!".
People make mistakes in understanding bills, people move and bills get misplaced, people make mistakes at the lending offices and people make mistakes at collection agencies. These mistakes become your problem to deal with. You need to work out a plan to correct inaccuracies, quickly. Then you need to ensure that these mistakes are properly removed from your credit report. I can help.
Sometimes bad things happen to good people and poor credit due to non-payment of debt will usually take a longer time to resolve, but errors on your bureau can be fixed. I have resources that I can refer you to that can help you review your credit and fix these mistakes. Try to find receipts and any other contractual documentation you have to support your claim. If a report of a collection absolutely does not belong to you, you can fight that too.
You do not want to place an offer on a property only to find out you need to fix your credit first.
