Seeking Help to Get Lower Interest Rates

call ###-###-#### which is the bargin channell they have a credit repair sponser that is really great called credit fx.They work with all 3 credit bureaus to delete bad credit history.The only things they can't do is child support issues but as far as negative credit history its gone.what they do is pull yur credit see who is on there and they then ask for proof it was you who signed for the credit and most places dont keep records because it goes from collection to collection and gets lost at some point so therefore if the creditors cant produce proper documentation then its off.It's a 3 month package and you can upgrade to lifetime for a small price.the bargin channell sells the certifates real cheap if your married you will need 2 certifactes.anyhow thats my suggestion.you can call the bargin channell get the # to credit fx and call explain and see if they can help you ask for josh at credit fx.hope this helps you.if you need any additional info plz feel free to email me ty

Wow B.. Reading your short story is like a glimpse into my own life. I unfortunately do not have any additional advise to offer. I am kind of in the same boat as you. I have a car that is on it's last leg with just about a year of payments left on it and I can't get anyone to take it on trade in without a lot of money down. Not to mention my credit is shot so they want a co-signer. I am up to my ears in bills and my house payment just went up again this year because the insurance and taxes that are escrowed into my payment went up. I feel like there is no getting ahead sometimes and it kills me. I am writing this only to tell you that I agree and understand with what you are feeling! I don't understand either why people have to pay more for having bad credit. They usually get into these circumstances because of the extremely high interest rates that they had to begin with. I have been paying a 16.9% interest rate on my car since I bought it. When I tried to refinance I was told no because I owed over 200% on it. I got suckered when I bought it basically. The finance company made their money back and then some one me because I was one the ones that got stuck. I will definitely follow your thread to see if you get any good advise and I wish you luck on getting things squared away.

P.S. I do know that you may want to check with you local housing office though...most offer all kinds of programs where you may not be first time home buyers but if you attend seminars you usually get money off on your closing cost and money to put down.

Hi B.,

I have been working with a company that actually DOES work on your credit report and will constantly be in touch with you letting you know what has been done, etc. I've been working with them since November and already had at least 6 items removed from my credit report! I've worked with "credit counseling" services in the past and they are basically a rip off & don't give you any info on how to improve your credit standing or anything else (despite what they otherwise claim, repeatedly). I've been very happy with the place I've been working with and they even offer a guarantee (of course there are conditions). I totally checked them out before I went with them because I couldn't afford to get ripped off. It will not be an immediate fix, but may help you out enough to get your situation better.

Credit help: www.lexingtonlaw.com

I also know of a Mortgage Broker who is beyond knowledgeable and I believe he will offer a guaranteed rate (most rates are not absolutely locked in until you actually sign the paperwork). He also has some great resources for credit repair, if it is something you want to try to take on yourself.

Mortgage Broker: www.nobullmortgage.com

I hope that helps you out some!!

A.

Hi B..

Sorry to hear about your problem. Daycare is way too expensive now a days but they know people have no choice unfortunately.
My husband is a mortgage broker who may be able to help you out. He deals specifically with people who have bad credit. If you are interested, let me know and he can see what he can do.

M.

Hi, B.. We're in the same boat and one thing that is supposed to help is a prepaid credit card. We are planning on doing that ourselves very soon...we have been told on more than one occasion it will help bring up your credit score. It's even harder with 2 little ones in day care...it eats up most of the second income! We have 26month old and a 9 month old...day care is expensive!! Good luck!

Try calling Metropolitan Home Loans. They are located in Sarasota ###-###-####. The guys there are really helpful!

Give us a call ###-###-#### we own Home Funding USA mortgage company. Hopefully we can help you guys out!