Fiance and I are looking to buy a house, his credit is great (742 score) mine is not great with scores of 583, 587 and 607. So I'm attempting to repair it, because as it stands now I can't even qualify for any mortgages and we have to use both of our incomes and therefore both of our scores.
First thing we did is add me as an authorized user to his credit card which is in excellent standing. I don't know if that will do anything, but supposedly that information is reported to the CRAs.
I read the beginner's guide here and I "opted out" today. I'm in the process of getting together 3 Pay for Deletes for small medical bills within the last couple of years (you think I should wait on this??)
I ordered my credit reports but silly me ordered from freecreditreport.com. It's nice and colorful, but I'm having a hard time figuring out when the accounts were first delinquent, it shows date opened but I'm not seeing any where about first delinquent.
Anyone know?
Nice to meet everyone by the way, I have a feeling there will be many more posts from me to come.
