Need credit repair, possibly moving to Florida soon..

[DannyB215]

Very true, I do agree with you. I will definitely do that once I know what the heck is going to happen at work. I have a meeting on Tuesday and we will decide what the next step is from there once I visit the area.

Originally Posted by newtogolf

If you're now paying that card on time now you're not in a good position to get them to settle.  Most credit companies would only settle an account if it was severely past due, and they believed you could completely default.  For you to put yourself in a position to negotiate a settlement your credit rating would suffer.  Have you tried to get prequalified for an FHA?  If not I'd suggest you try that before you spend any additional money to improve your credit.  If you are approved and the finance rate isn't too high you can save the money you're planning to spend on credit repair and put it towards your downpayment or repairs.

[turtleback]

I'm not sure why you are asking for advice since you have already decided what to do and reject all of the (excellent, IMO) advice you are getting from people who have navigated credit more successfully than you have.  But, to each his own.

[DannyB215]

Some thought I meant that I needed debt relief or debt counseling, which I don't. What I was talking about is credit repair, which yes, I can do myself, but with the schedule I have it's very tough to manage that into my personal time. If you read my last post, I totally agreed with NewtoGolf where he said I should try to get prequalified for an FHA loan and then figure out what I have to do from there. I definitely wish I would've navigated my credit a little bit better, but hey, do you know my story? Nah, so I suggest you save your time posting stuff like that to increase your post count, without knowing exactly what the other person's circumstances have been. I obviously care, and am asking for advice, and I took everyone's post seriously, as this is a very serious matter to me.

[clubchamp]

My only piece of advice would be to get your credit scores and dispute all the negative accounts. They have 30 days to respond and if they don't it's taken off. It doesn't always work but I've heard of people doing it with some or a lot of success. If it was me I'd pay off the debt and get the score up then buy a house. The housing market is not going to go from bust to boom so you will have time to find a great house at a great price.

[DannyB215]

So I have finally decided to move to Tampa. And spoke with a few mortgage brokes who took a look at my credit report, and all said I Was doiing the right things and could own a house within a year or less. I am going to sign a lease with an apartment complex, and go from there!! Thanks to everyone who put in their advice, I can honestly tell you that everyone's advice helped, and this experience changed me as a person. All I think about now is how I can get financially debt free and live a better life with my family, so thanks to everyone.

[The Road Dog]

And so with that I expect to see you out on a course somewhere in the Tampa area this spring right?

[DannyB215]

You assume correctly. I will be needing assistance as I'm not sure where the good courses are down there.

[newtogolf]

Good Luck Danny, I'm glad things are working out okay for you.  Tampa is nice, year round golf, I'm jealous.

[shades9323]

Originally Posted by DannyB215

All I think about now is how I can get financially debt free

If this is true, you wouldn't be buying a house.

[DannyB215]

I'm not..Im actually going to be renting and will be saving up and fixing my credit report while I rent...Smartypants :)