My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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Are you watching the housing market? were you at one point looking to purchase a home? Well I know a lot of you wish you had done it earlier, but all is not lost, there's still a chance.
There are some things that you need to accomplish to put yourself into a positive position meaning cleaning up your credit.
Pull your report and go over it with a fine tooth comb as they say.
1. Names need to be corrected that are not yours or misspelled
2. Remove old addresses
3. Remove Inquiries that are not yours
4. Remove old phone numbers
Why your asking? When you have multiple names there could be a mistake or someone trying to commit fraud under your name. Address can be touchy because if they are connected to a mortgage and it was paid on time, that's history don't touch it.
Inquires you can fight off, if you were lied to in regards to maybe trying to get a credit card and the furnisher told you it was a soft pull, there is a difference between hard pull and soft pulls.
Remove old phone numbers, it makes you look unstable when you have lots of them over a short period of time. If you move a lot its the same with addresses, would you loan someone money if they moved every 6 months to a year?. You need to think like a lender, so start now its not to late, if I'm right you need to be ready for a housing melt down.