As it stands now, we have pretty poor credit. I was reading previous threads last night and ran across some info on mortgages. Now this is all hypothetical and in ideal circumstances, but when we do plan on buying a home I would like the option to throw extra payments on it so as to cut a 30 yr. to 10 yrs or less. Now I read here that that's only possible w/ a conventional mortgage which is only possible with good credit. Now all this would be further down the road, I would say beginning of 2009. What kind of credit scores am I looking at to be approved for a conventional mortgage?
We have no real debts now, but we have a bunch of chargeoffs on our credit.I called some places about having them take it off and I got very short and rude no's. Does anyone know the names of some good credit cleaning agencies in Mass. I could contanct about cleaning this crap up? Also, ballpark on what they charge, how long does it take for the positive affects to show on your credit report,etc..?
Also, thanks for the good info on my other thread. I bookmarked it as a reference for the future. Thanks!!!
Christian



I called some places about having them take it off and I got very short and rude no's. Does anyone know the names of some good credit cleaning agencies in Mass. I could contanct about cleaning this crap up? Also, ballpark on what they charge, how long does it take for the positive affects to show on your credit report,etc..?
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