Home Puchase and 466 Credit Score

----- Original Message -----
From: REAL PERSON
To: majors@oskie.com
Sent: Monday, October 25, 2004 9:30 PM
Subject: our credit report
my hub and i have been working so hard to clean his report to buy our first home we are getting no where, we had a jundment report was removed and stuff not belonging to us i am trying to find what each item is in points is fico score is 466 we just cant get a head i haave disput almost everything any thing else we can do?
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Bobo Majors wrote:
try to find owner financing
you need a stable job history only for most owner financing
ask a realtor
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From: REAL PERSON
To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:36 AM
Subject: Re: our credit report
my hub been on his job for 4 yrs same trade 20 yrs we are trying to buy a modular home and land it will be our first home
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Bobo Majors wrote:
your gonna need owner financing
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To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:39 AM
Subject: Re: our credit report
what is that? how can u have that when it is brand new?
----- Original Message -----
From: REAL PERSON
To: Bobo Majors
Sent: Tuesday, October 26, 2004 10:51 AM
Subject: Re: our credit report
can i bring it up in less then a year? his score?
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Bobo Majors wrote:
what i am saying IS
you will have to abandon the NEW thing
and look for a place that someone would rent to own or the like
410 is so abysmall there is no chance in haydees of getting financing
unless you put 1/2 down
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sounds like it would highly unlikley
you have disputed
you have called
you have paid things
but 466
lord ive not a report that bad in a year or so
510's....520's is about as low as i have seen
and 450 is as low as possible

466 is pitiful
id have to see your credit
but sounds to me like you have never paid anyone in your whole dang life
your whole dang life
so why would you now...is what the creditor ask
then i bet you don;t have anything to put DOWN
if are are going to be able to make payments
one would assume you have some money saved
borrow 1/2 down from you mother and get her to co sign
and maybe they might look at it

i don't mean to make it sound hopeless
but really it is

you need 7 years under your belt
and narry another bad mark
and some re established credit

i would send 400 to a gas card company
pay them good for 2 years
and pay them more than you charge
it will raise your high credit limit above the 400 you sent them
but with a 466 they might even send you money back to you

its that bad

466
how did you manage that>>>>>
that my friend is almost impossible to do even if you TRY to screw your credit up

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