Dear Potential Homebuyer,
I look forward to working with you to help improve your credit, so
your family can have the dream of home ownership become a reality.
Please pull your credit and make sure that you have a printer to print
out the complete file from www.annualcreditreport.com Only click on
the first top company which is TransUnion I believe, and do not click
on any of the others! Do Not Click on Experian!
Next join www.creditkarma.com
and find out what your credit score is.
If you have above a 620 FICO (the middle score) please call me
immediately so we can try to get you your Grant and a FHA
loan! If Your FICO is below a 580 click on the Orchard Bank Secured
credit card to sign up for it. They will gauge if you can get an
unsecured or secured credit card. There is a $200 account connected
to the secure charge card. If finances are tight and you have trouble
getting the money once you have opened a checking account with any
major bank or with McCoy Federal Credit Union at www.mccoyfcu.org or
Martin Federal Credit Union at www.martinfcu.org , both of these banks
work with people who have bad credit but try a regular bank that is
conveniently located. The purpose other than showing that you have a
checking account on your Credit Report is to ask the institution for a
Unsecured $500 Installment Loan whether you need the money for the
Secured Credit Card or not.
Please keep in mind that you need to stay on top of paying all bills
on time as this is a time for you to start fresh or you can mess
things up even worse. The choice is yours!
When you have done all these steps and have your credit report printed
out with a checking account as well as knowing your score, please call
me so we can talk about your next step which involves disputing items
on your credit which I have letters for your exact needs as well as
adding additional tradelines to improve your score further.
Please keep me notified of your progress via e-mail or feel free to call me.
Sincerely,
Daniel Ragan
