How are you..... I'm trying to prepare to buy a home ,but my credit score I'm thinking is to low ......its 633 Equifax, 642 Trans union and 661 Experian I got these from a credit report Bank of America did for me from a company called PrivacySource.This repot also shows credit report keys, credit report details,and credit report disputes so pretty extensive as you can see.I have a bankruptcy that I'm hoping will automatically fall off my credit in Oct. 05 it will have been 10 years by than.Will it drop off automatically? IS THE DISHCARGE DATE 10 YEARS AGO? yES NOT 10 YEARS FROM DISHCARGE NO I also have a couple of Medical delinquency that I'm trying to figure out how to handle.I'm not even sure I owe this money.If I do does these types of delinquencies lower my Score? Should I try and contact them to make a arrangement to pay them ABOLUTLEY.....should I ask them to please consider to dismiss the charges? I truly can not afford to pay them if they are mine. Every dollar I'm making is going towards trying to prepare to buy a home meaning the down payment and things like that. I really need some guidance I'm a 43 year old single guy living in my Fathers basement I lost my mother a few years ago to lung cancer and its just time to make a move. The bankruptcy was a major Mistake its been so crippling , but its been ten years now and I'm pretty sure I make enough money to invest in a home (48,000 a year). I've paid down my credit cards I had 4 a year ago and now I only have two with a balance of like 1,000 between the two. MUST HAVE OPEN CREDIT AT ALL TIMES TO HAVE A SCORE. NO OPEN CREDIT IN THE LAST 2 YEARS? NO SCORE. I realized I made a error by closing all 4 of them last year after doing some research this is why I really need help I just don't know what I'm doing.I don't have that much debt really just things like a car payment which is in my dads name ( cosigner) I did it that way to get a better interest rate the payment is $450 a month.I'm hopping to find another car that cost less to cut that payment in half after the bankruptcy falls off my credit report this Oct. I figure I could than go car shopping for a cost of about 10,000 for the car so my payment would only be $225-> $250 a month. Does that sound like the right game plan there? so I can free up more monthly income for my mortgage payment.The other debt is cable bill, cell phone, car Insurance. Things like that. Thank you so much for taking the time to read this and any suggestions you could offer me or direction or any advice I would greatly appreciate. THOSE SOUND LIKE UTILITIES THAT VERY RARELY WORK WITH YOU. PAY THINGS OFF. ASK FOR HELP AND BEG.
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