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Buy a home with bad credit

Just Look at the Ultimate Rent to Own Home Program Shockwave

6 May , 2015  

The T-Rex (or Indominus Rex, for that matter) ain’t got nothin’ on this program designed to educate prospective homeowners on one of the biggest trends in the real estate industry: rent-to-own homes. Witness the Ultimate Rent to Own Home Program and do NOT be afraid at all, because this beast won’t eat the tourists, much like how the pirates of the Caribbean won’t, as Jeff Goldblum would say. What makes this Ultimate Rent to Own Home Program so wondrous (and not toothy)? Simple.

The Ultimate Rent to Own Home Program Gives You All the Tools You Need

It’s baffling how not one program out there even seeks to provide the resources to renters-soon-to-be-homeowners, because many often take the real estate market on a case-by-case basis:rent-to-own jurassic park

  • You Have Agents
  • You Have Brokers
  • You Have Developers
  • You Have Real Estate Attorneys
  • You Have Duplexes
  • You Have Apartment Complexes
  • You Have Gated Communities
  • And so Much More….

It’s a diverse industry when you think about it. Would anyone ever be brave enough to try and tackle it all at once. We think if maybe there are just a bunch of resources available throughout, everyone can approach everything ONE BY ONE and expect to have all their ducks in a row. Theoretically, that would work. But this is the new millennium of prehistoric CEOs — and those dinosaurs are a lot smarter — and faster — than we give them credit for.

The Ultimate Rent to Own Home Program pools all those resources together for you, educating you on what you need to do and where you need to go before you have to do what you need to do, and before you have to go where you need to go. That way you’re not like a chicken with its head bitten off by a velociraptor.

Don’t Take My Word for It, Though: Check Out All These Reviews

It’s crazy just how much this Ultimate Rent to Own Home Program has swarmed like a flock of pterodactyls all over social media, even trending nationwide as a digital means to selling a home. Nationwide Property Values, OWNWITHHOPE, the Complete Real Estate Site, Rent to Own Reviews, and even one comprehensive site known as Profile Reviews have all reviewed the initiative propelling the prospective homeowner into that dream home with the convenience of rent-to-own.

And you can bet more and more feedback will show up as many other hopefuls find their way through their dream front door for the first time. It’s pretty spectacular. Just as spectacular as that triceratops over there….

Check them out at RTO Reviews for more info about what they can do for you right now.

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Buy a home with bad credit

3 Things You Need to Know About Being Your Own Credit Score Watchdog

26 Dec , 2014  

Your credit score, in many ways, is your lifeline, your genetic code, DNA, fabric of your very being (not really); and sadly, not many see it that way. All that credit score shows you is how great you are (or not) with paying your bills. That’s it. That’s nothing much to consider, is it? Oh, but it is, especially when that score makes the difference between you owning or not owning a home. Or a car even. That credit score makes DNA credit scorebig difference.

You Have to Keep a Watchful Eye on Your Credit

This isn’t just because you want to make sure you don’t miss any payments. The fact is this — everyone out there has slipped up and forgotten about a payment or two, and just about no one has ever obtained a perfect credit score. The main reason, though, why you need to be a watchdog with your own credit rating is this: you’re not the 0nly one who can make a mistake! Why do you think there are three major credit bureaus out there? Equifax, Experian and TransUnion. Inaccuracies abound for every individual in the United States, so as efficient and correct as these bureaus may be, even the most thorough specialist can slip up and cause a major ding in your credit report, preventing you from even having the ability to borrow money from a bank. In many cases, your credit score can even determine whether or not you’d be a good employee! Yes, your credit rating can directly affect your employment. So why sit on your hands and let faceless people determine your credit score for you? Be proactive. Be a watchdog by following these three steps:

german shepherd credit scoreWrite a Letter to the Credit Bureau That Made the Error

Whether it’s Equifax, Experian or TransUnion, it doesn’t matter; mistakes happen. If you review your credit report and you see a problem with one of them, your first step is to address that bureau in writing. It’s just a typical letter with your name and address, plus details as to what the error is and why. Substantiate it. Treat this as if you’re a lawyer, arguing a point. Always stick to the facts. Include all the relevant evidence as well: original documents, receipts, canceled checks, invoices. The more information, the better. To make it even easier, enclose that copy of your credit report and circle those erroneous items, whatever they may be. Be sure to send a similar letter to the company or lender regarding the transaction as well. Both letters need to be sent through certified mail with return receipt requested. As you may notice again — this is truly legal protocol, methodical, almost military documentation style. This is the type of watchdog you need to be with your credit score — a veritable German Shepherd.

Now, Naturally, the Credit Bureau May Respond

Under law, a credit bureau must investigate claims within 30 days. So pay attention to your calendar. Typically the bureau will forward the dispute to the correct department, determining any errors if necessary. What you need to expect is a document in writing explaining the results as well as another free copy of your credit report. This is all legally mandated by law. Additionally, correction notices can be requested for anyone receiving your report in the past six months. In essence, you’re covering all your bases.taking notes credit report

Get Your Dispute Written on Your Credit Report

Believe it or not, but you can do that. Anyone viewing your report and your credit score will see that you have, in fact, disputed a particular transaction or account. This benefits you as far as anyone’s interpretation and evaluation of your credit score. The statement doesn’t have to be more than 100 words. Just something simple stating that you’ve “disputed the information.” In addition, you can file a complaint with the Federal Trade Commission’s Consumer Response Center by phone (877-FTC-HELP), or even file the report online. You don’t have to hit a brick wall here. If you truly believe there was an error, pursue it until you receive at least some relief. The accuracy of your credit score and report matters.

It’s Your Yard: Protect It

Just remember: your credit score arises from something. It’s your right to know what that something is. That’s why you can obtain a credit report and review all the details. If anything looks off, don’t hesitate; investigate it. Why? Because you never know if you had discovered an error that could be eliminated, making the difference in obtaining your rent-to-own home with the assistance of the H.O.P.E. to Own program. Be a watchdog.

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