i have bad credit and i want to buy a house. what do i need to do?
Craig, Most of these answers have some good advice. You should contact a reputable lender that has the patience and time to take with you to go over your credit report and talk with you about things that you can do to improve your credit score. You need someone that will work with you and work in your best interest. You should also sit down, and go over your personal finances. Put down your earnings that you bring home, versus your bills that must be paid each month. Make sure that you include everything you need to live. Not what you want, but what you actually need. Form a budget that you can live within and try to stick to it and make sure that you include some savings. If you are living check to check and cannot save any money, you definintely need to think about where you are currently spending your money and how you can cut back to save. Having money in savings will help you keep your credit score up in the future because it will allow you to pay your bills even if you are out of
