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My wife and I are trying to fix our credit to buy a house,what do we pay first that will have the fastest results?
Posted in these groups: Pioneer Credit Recovery
Credit Manager
Credit Manager
Posted >1 y ago
Responses: 9
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What helped me more than anything about my finances was to understand what money really is. Most think it's a way to happiness - and the more you make, the better off you are. Both are far from the truth as evidenced by happy people with VERY little or nothing (just go to any 3rd world country or on a mission trip somewhere - that will open your eyes! :-)
Anyway - start by listening to Dave Ramsey - first of all, he LIVED through what you are going through - and he solved the puzzle. To me, these are people I want to listen too - people who are now "fine" and were exactly where I am at! Follow him on twitter/FB and listen and learn.
The only other thing I want you to think about is how long did it take you to get into this mess you are in? Maybe a series of decisions over several years? There isn't going to be a "quick fix" to a problem that has existed for a long time. Don't look for the quick fix - fix the root issue and you will never have a financial "problem" ever again! Yes - that IS possible!
If you take FPU (you will understand this acronym if you look up Dave), you will not regret it!
http://www.daveramsey.com/home/
Anyway - start by listening to Dave Ramsey - first of all, he LIVED through what you are going through - and he solved the puzzle. To me, these are people I want to listen too - people who are now "fine" and were exactly where I am at! Follow him on twitter/FB and listen and learn.
The only other thing I want you to think about is how long did it take you to get into this mess you are in? Maybe a series of decisions over several years? There isn't going to be a "quick fix" to a problem that has existed for a long time. Don't look for the quick fix - fix the root issue and you will never have a financial "problem" ever again! Yes - that IS possible!
If you take FPU (you will understand this acronym if you look up Dave), you will not regret it!
http://www.daveramsey.com/home/
It's the first day of autumn #GoogleDoodle
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Awesome sounds like a great Idea, looking forward to seeing this Dave Ramsey fellows perspective
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Normally start off with your biggest debt, which in my experience is usually credit cards or car loans. But the main thing to remember is, you don't necessarily have to be debt free. Your debt has to be controlled and you need to show a history of consistent payments. Also make sure those payments are above the minimum required.
One other thing I learned while going through a background investigation was to obtain a copy of all my different credit reports and look for any collections on them. If those collection notices have been paid off or otherwise taken care of, you can file a protest to get them removed as long as you have some documentation showing that you paid off that particular debt.
Normally start off with your biggest debt, which in my experience is usually credit cards or car loans. But the main thing to remember is, you don't necessarily have to be debt free. Your debt has to be controlled and you need to show a history of consistent payments. Also make sure those payments are above the minimum required.
One other thing I learned while going through a background investigation was to obtain a copy of all my different credit reports and look for any collections on them. If those collection notices have been paid off or otherwise taken care of, you can file a protest to get them removed as long as you have some documentation showing that you paid off that particular debt.
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So once they are paid you still have to file a protest to have them show a positive report for that acct?
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PO1 John Miller
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Only if it still shows up on your credit report. The collection agency is SUPPOSED to remove it but that doesn't always happen.
Only if it still shows up on your credit report. The collection agency is SUPPOSED to remove it but that doesn't always happen.
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If you are looking for the best help and advice possible, then you should contact MilitaryOneSource. They give financial advice and can assist you best. Their website is http://www.militaryonesource.mil and their contact number is [login to see] .
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