Credit problems! Advice needed?

Is it possible I can have anything(car, house, loan) with messed up credit without a co-signer? I get almost depressed when I think about it. I have a glitch or two from credit cards about 2 years ago. Now it's on my credit report for 7 years. I have since been paying all my bills way on time. I want to buy a house in about 2 years or get a loan for a project. What are your thoughts on this?Credit problems! Advice needed?
As long as those ';glitches'; are not judgments against you, then don't worry too much. Everybody has problems every now and then. The important thing is to keep a good record from here on in.


Older negative items are often looked upon as ';old news'; and will in most cases be taken into consideration as old history when calculating your score.





As to buying a house, I have been able to obtain mortgages in the past with negative items on my report. It did not prevent me from getting a mortgage, it is just that I had to pay a slightly higher APR.





Even now you probably can get that car loan, but you will have to pay more in interest fees then if you had perfect credit.





Hope this answers your question.Credit problems! Advice needed?
You can buy a software or you have to contact each credit company[ there are 3] and prove to them that you payed in full and start paying anything else you have and reduce the # of your credit-cards; or contact a service agency specialised on this kind of problems and for $1,000 - $2,000 they will do it for you.
The longer you go paying your bills on time, the less damage the cc will do to your credit. Be sure to check your credit report every 6 - 12 months to make sure everything is ok, and I'll be you'll be able to buy a home in a couple years. Other things like earnings to debt ratio are important too. You could always make an appointment with a loan officer now and have him pull your credit and see what advise he gives you. Good luck; and keep up the good work!
Check this site out to help your credit. http://www.myfreecredittips.com/creditti鈥?/a>





Go to raisecredit.lexingtonlaw.com or call them at 1-800-608-8004


They are so resonable too. $39/month. They can remove basically everything that is harming your credit.





Also check out your credit score too. TripleCreditReport.com





Try to get a grant go to grants.gov and learn how to write one at http://www.epa.gov/ogd/recipient/tips.ht鈥?/a>





A government loan might help too: govloans.gov
Credit issues are hard to overcome. There are several factors that go into your credit score. Two years of good credit in terms of on-time payments is a great start. But you have to use credit to rebuild it. Get a credit card and use it monthly being sure to pay it off each month - and on time. This will help rebuild your credit score and you'll be on your way to establishing better credit in no time.
Been there and done that. It can take a bad toll on your emotions if you dwell on it too much so don't. Well you've done the best thing already, which is to keep current on your bills. Keep that up for sure. The other thing is dont' apply for any credit at all....wait for a good opportunity to show your worth ie) mortgage, car, etc...





More importantly keep your job and try to save as much as possible.



Yeah you can. Usually with higher interest. Just keep working and clean up your credit.





Credit is pointless and hurts too many people IMO
A glitch or bankruptcy?





Keep paying your bills on time and go to ';free'; first time homebuyer seminars for advice.

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