How to Fix Bad Credit

22 Aug , 2014  


credit-cards-1439332-mDo you want to know how to fix bad credit? There are simple and effective ways to fix bad credit. Keeping a minimal balance on all credit cards is essential to eliminating debt related problems. Checking your credit report regularly is also a great way to avoid unexpected identity theft issues. Consolidating your debts with the help of a professional agency can also lower monthly payments making things easier on your finances. Speaking with a financial consultant can be helpful to help you avoid pit falls that led to the creation of debt to begin with for you.

Consolidating all debts onto one card can be helpful so that you can make more than the minimal monthly payment. Avoiding the temptation to close cards that are not active is also important. Many people do not realize that closing accounts will actually lower your credit score. Contacting credit reporting agencies to dispute any unknown charges is also a beneficial strategy. Making payment arrangements with any accounts in collections should raise your score by a few points. 

Making payments above the minimum monthly payment will also have a positive effect on your credit score. Freezing your credit report access during extended periods of stability is also advisable. People are not aware hard credit inquiries can lower a score by several points. The consolidation of student loans will also free up money to pay off any extenuating long-standing debts. Checking on the length of a debt to see if it can be removed from your report is a easy way to quickly raise your score.

It is easy to see that you can fix bad credit with a well thought out plan and a little bit of patience. You need to learn how to remove bad credit and add good credit.  Finding assistance from a qualified professional can be easier than trying to handle the whole situation yourself. There are many free services available to help you get back on track and we can help you find them today.


Renting vs. Buying a Home

21 Aug , 2014  

Dog Welcome Home

Dog Welcome HomeThere are many important factors to consider when one wants to buy or rent a home. Renting vs. buying a home requires one to make important personal decisions. To assist you make the right decision, here is a guide to the pros and cons of buying vs. renting.

There is a time when renting is best for a person and there are times when buying is best. Maybe you’ve been renting but now you’re ready to buy and you only continue to rent because you think you have no other choice. This is where good information helps you make the best decision.

Let’s compare some pros and cons.

Buying Pros

If you make the decision of buying a home, you are contributing to your investment portfolio and building equity. You can do anything to that home since you will find the enjoyment of living in your own house. It’s yours and you can make decisions about construction, painting, remodeling and more. You can feel confident that you are investing into your future and you have equity. This gives you an additional type of security that you did not have as just a renter.

Buying a house also comes with financial benefits such as a deduction for your mortgage interest. These are just some of the pros of buying vs. renting.

Buying Cons

Perhaps the most difficult thing about buying a home is whether or not you are going to afford the down payment. In some situation it can be around 20% of the property’s price. Other additional costs include homeowner’s insurance, property taxes and general home maintenance.

Renting Pros

Generally, renting does not have many financial strings. You have small costs of rental insurance and your personal style and belongings but most maintenance issues will be handled by the home owner. Renting a home will only require you to pay the security deposit compared to buying that will require you to pay the hefty lump sum down payment. Renting is the best solution if you do not want your money to end up in mortgages. Many people choose to rent when they are not ready to commit to purchasing a home just yet or when they will only be in an area temporarily.

Renting Cons

Your monthly rent may end up being much more expensive than the mortgages after a few years. You could have bought a house by the time you spend a number of years renting. Another downside to renting is that you don’t build any equity. Renting is not an investment. You’re buying a temporary place to stay- that’s it.

Buying vs. renting a home depends on one’s personal decisions since some want the security of owning a house while others prefer the flexibility of renting. It’s not a decision that anyone else can make for you or your family. It’s not about which is better than the other but about which is best for you.

Buy a home with bad credit

Stop Renting and Become a Homeowner

20 Aug , 2014  

A typical historic house in the village of Egmond Binnen, Hollan

A typical historic house in the village of Egmond Binnen, HollanThere are many advantages to buying a home and stop renting, and the ability to buy a home is within your reach. Are you sick of the thin walls and noisy neighbors? Do you wish you could paint you walls and finally have some nice appliances and flooring? Many people get stuck in the trap of renting, and fear being tied down by home ownership. But owning a home is a wise investment, and the pride that comes from calling a place your own is priceless.

Here are four reasons to buy a home and stop renting:

Pride of ownership

There is nothing better than calling a home your own. You can remodel, put that swing set in the backyard or host that family reunion.

Rising rent

Rent prices are always rising, and with each new lease signed comes a higher payment. A fixed mortgage is a fixed payment every month, so there are no surprises. You have security to know what you’re paying and that it will be going toward the principal of your investment.

Wise investment

Rent money never comes back. It is like flushing your hard earned dollars down the toilet. Investing in a home is an investment in you future and the future of your family. The value of homes go up and down with the economy, but staying in your home for a good length of times can yield a good return on your investment.

Building equity

When you make your mortgage payment every month, and take out the amount owed on the loan from the house value, you are building equity. This equity value goes up with every house payment. You also build equity as the value of the home rises. You can take out loans based on the value of the equity, increasing the value of the home and the equity even more.

Deciding to buy a home is challenging, but well worth the rewards. If you’ve worried that you will never be able to buy a home of your own, or if you have been turned down for a home loan before, we can help you. We have a proven plan that, when followed correctly, will help you correct issues that are blocking you from buying your own home today.

Buy a home with bad credit

How to Fix My Credit Myself

18 Jul , 2014  

The Fair Credit Reporting Act of 1972 is a government bill that allows people to fix their own credit. Every credit repair company bases their practices off of this Act, but anyone can use the information in the to repair their credit on their own. However, it will take time to learn. You can expect it to take roughly 10 hours to read through the Act, and another 10 hours to learn how to do it yourself.

Most people choose to actually hire a credit repair company because it is a convenient and inexpensive way to repair your credit score. For example, Lexington Law, the leading credit repair company in the nation, only charges $99 down and $99/month for 6 months. You can contact one of their specialists at 888-493-6888. Or, you can use Cloud Based Credit Restoration for $69 down and $69/month.

Either way, you can spend 20 hours learning how to repair your credit on your own, or you can hire a company like Lexington Law or Cloud Based Credit Restoration. Fill out this form to get started.

Buy a home with bad credit

Rent to Own Options

30 Jun , 2014  

Rent-to-own is a great option for people who are working towards purchasing a home. Many people find their dream home, but need time to make the purchase. A rent-to-own purchase not only allows you to have that time, but also allows you to live in the house you want to buy before you decide to exercise the option to purchase. With rent-to-own programs, buyers are able to build income and repair their credit history as they rent the house they want to buy. Best of all—you can lock in a selling price on the home you want to purchase, even if the market goes up. Join the H.O.P.E. Program today to learn more about rent-to-own options.

Buy a home with bad credit

Grants for Down Payments

27 Jun , 2014  

A U.S.D.A. insured zero down loan is great option for people who want to buy a home. The only real drawback is that you have to buy a property in a “rural” area. But guess what- 90% of the country is considered rural by the U.S.D.A. Your first step should be to contact a bank or lender and ask them for a list of zip codes where U.S.D.A. loans are allowed. However, in order to qualify for this loan, your credit score must be at least 640. Enroll in The H.O.P.E. Program if your score is below the 640 mark.

But what if you live in an area where U.S.D.A. loans are not allowed? While 90% of homes are in rural areas that allow these loans, only 38% of the population lives within these zones. That means 62% of people may want to buy a home, but are unable to make the down payment! What many people don’t know is that there are organizations that can help with your down payment. Did you know that the MHSDA will give up to $7500 grant to be used for a down payment, closing costs and prepaids. Some grants may have a clause that says you have to pay a percentage back if you move before a certain amount of time; but as long as you play on living in that home for at least five years, there is NO payback!

Grants for a down payment is by far the best way to purchase a home if you are unable to come up with a down payment. But don’t forget- you still have to qualify for the FHA loan, which means you need a 640 credit score with 3 credit accounts that have been paid on for 12 months. If you haven’t done this yet, enroll in the HOPE Program so we can repair your credit score, add 3 new credit accounts (rental payment history and 2 new forms of credit) and help you get a down payment grant.

Buy a home with bad credit

Adding Credit to Your Report

24 Jun , 2014  

It is important to not only remove negative items from your credit report, but to add, new, positive lines of credit as well. Here are two easy ways to add credit to your report without adding undue debt:

  1. Rent reporting: if you are currently renting, you can have your monthly rent payments show up as positive credit on your credit report. But be certain you make your payments on time, as late payments will also be reported.
  2. Secured credit cards: unlike prepaid credit cards, with a secured credit card you get a credit line and your payment activity is reported to all the major credit reporting agencies. You deposit funds into the bank as collateral for the card. You can use the card like any other credit card, and rebuild your credit score by making the on-time monthly payments. Just make sure you keep your balances low, relative to the credit limit on the card.

Buy a home with bad credit

How Does Credit Repair Work

18 Jun , 2014  

For people struggling with a poor credit score, repairing their score can be a huge headache. We are here to let you know how credit repair works. Did you know you have the right to question any information on your credit report that you feel may be inaccurate, untimely, misleading, incomplete, ambiguous, unverifiable, biased or unclear.



If the credit bureaus cannot verify that information, then according to the Fair Credit Reporting Act, it MUST be removed. A credit repair firm will act on your behalf to provide the legal tools you need to dispute any items on your credit report. If you would like to be contacted about having your credit repaired, click here.

Buy a home with bad credit

What Is the H.O.P.E. Program?

16 Jun , 2014  

At The H.O.P.E. Program, we know how frustrating it can be to try to buy a home with bad credit. We have helped over 12,000 people get homes who never thought they could. Many of our clients struggle with issues like bad credit, which prevented them from being able to own their own home. Our program combines three steps to help overcome barriers to home ownership.

  • Credit Repair: We will help you legally remove negative items such as late payments, judgments and charge offs through the Fair Credit Reporting Act of 1972.
  • Adding Positive Credit: We will add new lines of credit, your past and current rent payments and your utilities.
  • Lender Education: We are affiliated with the largest banks and mortgage companies, and will make sure you know exactly what to do to get approved by them.

No matter what your background, no matter how bad your credit or job history is, we can help. Click here to get started.

Buy a home with bad credit

Buying a Home with Bad Credit

15 Jun , 2014  

Do You just want a home of your own that you can call your own? Are you tired of dead ends? Games? Gimmicks? Bad Houses and Fake Ads? Would You like to END all that? We know you would….what if we told you all of these things…..

We have helped over 12,000 people get homes who NEVER thought they could!

Most of our clients had credit issues, income issues or SOMETHING that prevented them from getting their own home. Would you like to overcome that? Here’s How…EDUCATION! Have you ever heard the phrase “Knowledge is power?” Well in this case, it has never been more correct! We combine 3 things:

-Credit Repair-Legally removing negative items such as late payments, judgements, charge-offs, etc. through the Fair Credit Reporting Act of 1972. We do this through our partnership with the nations top agencies that will be working for YOU!

-Adding Positive Credit-We help by adding new lines of credit, your past rent, your current rent and your utilities!

-Lender Education-We are affiliated with the biggest banks and mortgage companies and we will make sure you are educated to know exactly what to do to get approved by them.

Our consultations are free and we can evaluate you in 5 minutes…..Call us at 888-920-4893 for a FREE consultation. Or you can click on our link below and we will assist you once you fill out the form and hit submit!




If you are anything like most of our clients…You just want help! You will do what you are told, you just don’t know what to do or where to go. THAT’S WHERE WE COME IN. You see, we have H.O.P.E. (Home Ownership is Possible with Education!)

H.O.P.E. to Own is a site created by The H.O.P.E. Program to assist you in your efforts of obtaining a home of YOUR own! We have helped thousands before and we will help YOU! Whether you want to buy a home with bad credit, buy a home zero down, rent to own a home of your own or get into a home with bad credit…we can help!

No matter what your background, no matter what your past, no matter how bad your credit or job history is…we can HELP! We are experts within the fields of Credit, Credit Repair, Score Enhancement and Lender Education.

Our Last Move – A site designed to help you further by finding you a home while we help get you ready to buy.

Why own a Home of your own? Well, if you haven’t already figured this out, let us help you!

-Lower move in costs than rent
-Lower monthly payments than rent
-When you fix up the house, it’s YOUR house you are fixing
-No worries about pet limitations
-No worries about landlords
-No worries about moving the kids in the middle of the school year
-Never have to move again unless you choose to

Honestly, didn’t you already know these things? Call us TODAY at 888-920-4893 or fill out the information below.