What are some easy ways of me fixing my credit? I would like to buy a home towards the end of the year...?

Answer 1

depends on what is really on ur credit. they have some programs out there now that if u dont have any thing major on ur credit they will work with u. there is the 1 thats 100% financing. and thens there the FHA home loans. so it all depends on u and ur credit. but i would suggest going to a credit counslor and let them look at ur reports and see what needs to be worked on. like maybe medical bills or any credit cards u might have. start small. but u are saying towards the end of the year. U dont really have much time since its already september. But good luck and here is a link to look into FHA loans.
http://www.hud.gov/buying/

Answer 2

First, make sure all the information on your credit report is accurate.

Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

Answer 3

Get a free copy of your credit report from each credit bureau thru AnnualCreditReport.com (it's the only site where you don't have to sign up for monitoring services). If there are any errors, dispute them.

Make sure all your current debt is paid on time and in good standing. Pay your credit card balances down to 30% of the available credit limit -- paying them in full is even better.

If you have any negatives, start with the newest one and negotiate a settlement. Get the settlement agreement in writing, including getting the negative marked paid. You can ask to have it removed but don't count on that.

You can offer less than the full amount but don't expect to string it out with small payments. Lump sum payments get the best settlements.

Mortgage companies are going to want to see two years of consistent, on time payments. And they will insist you pay off any negatives.

Answer 4

Pay your bills on time. You mention "fixing" - if it's really bad, don't figure on being able to get a mortgage anytime soon, until you get it cleared up. There aren't any "easy" ways that don't involve paying what you owe.

Answer 5

no easy way and no quick way - just pay off your credit cards, on time every month and start saving money