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Four Tips How Homeowners Can Rebuild Their Life After a Foreclosure
Let's face it, if you are facing the possibilities of losing your home due to a foreclosure and you think that you may never be able to purchase another home anytime soon. Keep reading. I am going to share with you four steps you need to prepare yourself for that transition down the road. First, if you lost your home because of a foreclosure or you're about to, don't give up. The worst thing you can do right now, is to do nothing. First: Get a copy of your credit report to see what a potential creditor will see and immediately start making repairs to clean up any negative infractions, stay away from credit repair companies. Visit: http://www.creditinfocenter.com Second: While you are rebuilding your credit, start putting together an emergency fund. Start off by saving three months of your mortgage/rent payments and three months of car payments for obvious reasons. Three: Go to your book store, library or online and start educating yourself on lease purchase. I mention lease purchase because of your temporary credit and money requirements. You can normally get into a house with a small down payment and no credit check. Just be prepared to purchase that property down the road. That's why you need to clean up your credit and who knows, you might start making money with this new found information. Here are two extraordinary sites for you to visit for more information: http://www.lease2puchase.com and http://www.creonline.com. Four: Start putting together your financial plan. Set goals for your future retirement, college for you or your children. Start a business. Find a financial planner one who will work with you and his motivation is not to sell you something you don't need, just so he can get a commission. When the time comes in a few years after you have put a down payment on your lease purchase home, rebuild your credit, raise your credit score; set aside an emergency fund and designed a financial plan, then you will be ready to buy your next home. Copyright 2005 Bobby Johnson - All Rights Reserved For a free report titled "How You Can Stop Your Home From Going Into Foreclosure Without Selling or Filing Bankruptcy", call 770-210-8797 or email: bjohn54928@aol.com Bobby Johnson is a Comprehensive Financial Planner/Accountant/Speaker/Author. He has written many articles and books on foreclosures " How To Save Your Home From Foreclosure and Not Lose Your Mind" and "How To Stand Up To Collection Companies and Win".
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Your credit score determines what interest rates you will pay and if you are even approved for a loan or a credit card at all. In addition, your credit score can play a factor in renting your next apartment or getting hired from a potential employer. Taking Control of Your Credit History Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account. Payments such as the electric company, a rental agreement, a cell phone, a car payment or a low-rate credit card which you also have a responsibility to repay are not reported to the credit bureaus as a part of your credit history. They can, nonetheless, be important in your financial history. 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If you have not owned a credit card previously you should definitely learn all you can about these convenient little suckers (literally) before you commit to any contract. Small Business Credit Cards So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn't an option because it can make or break your business. Things to look for are low interest rates and good customer service. Beware of Falling Minimum Payments If you opened a credit card statement recently and were pleasantly surprised to find that your minimum payment due was lowered, don't be so quick to "jump for joy". What may appear as a small boost to your monthly budget is actually the rock that can weigh you down in debt for a lifetime. Credit Card Shocker Have you ever looked at your credit card statement? I'm not talking about just making sure that all the transactions are correct. I'm talking about looking at the finance charges. 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