Moms With Credit Issues

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Comment by Women Who Win w/Coach Elizabeth on October 27, 2009 at 4:39am

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Tip:

You can't run out of money, you can only run out of people because money is always attached to people. Need more money? Connect to more people.

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Comment by Striving on October 22, 2009 at 9:51am

Did you know.....On average 20-36% of your NET income should be spent on your household (including rent\mortgage)? Living beyond your means is nothing new, people have done it for years but if you are tired of Robbing Peter to pay Paul why not strive to make a change?! Strive to do better for Oh -10. Nothing worth having comes easy!

www.striving-my.blogspot.com

Comment by Deanetta Thompson on October 6, 2009 at 3:22pm

By the time you finish reading this Ebook you will be better prepared to avoid a lot of mistakes so many other women make every day. When looking for a man some sistas have things all twisted. So many sistas out there want so desperately to be ...love by a man, but end up with a little boy in a man's body.
Just because he has a job doesn't mean he's a man. It simply means he's employed! I invite you to look at my EBook excerpt posted on my website. Come with me as we journey into some important issues we women should explore when choosing a man [with biblical scriptures to follow].
This Ebook is ready for download along with "Marital Warfare."

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Comment by Deanetta Thompson on September 16, 2009 at 9:34pm

Hello Moms

I did a piece on bad credit on my blog I pray it can be of help to someone it might information you already know. Go to
target="_blank">www.sistainchrist.com under recent post and click Tips For bad Credit.

Be Bless Moms
Deanetta

Comment by Moni on September 10, 2009 at 10:19am

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Comment by Sistah42 on July 12, 2009 at 11:08pm

Checking for activity here & hope the group is still connecting on this issue

Comment by LaKeisha Baker - Hankins on May 20, 2009 at 6:14pm

If you need help with credit restoration or advice on how to repair your credit, I highly recommend Rachel Speight, she is the owner of Pursue, Overtake, and Recover. She is so down the earth and knows her stuff. Check out http://www.porservices.com/

Comment by Moni on July 12, 2008 at 1:12pm

Hey Jessica, as a mortgage loan officer it's crazy to me that folks with no credit (good or bad) still have a hard time qualifying for homes. However, we can use alternative credit to build some credit such as cell phone bills, utility bills etc. As for the medical bills, when it comes to buying a house, most lenders will forgive that kind of collection. I specialize in FHA loans and defaulted student loans are something that disqualifies borrowers right off.

I suggest you get a secured credit card through a bank or credit union using your money as collateral. You can deposit $500 in your credit union or bank account and ask for them to give you a loan on that money. Basically, you'll be building a credit line, showing that you are capable of making monthly payments. You'd want to do this for at least 9 mos to a year. Yes, you're taking a loan out on your own money and paying interest too sometimes but that's a quick alternative to get you going.

Holla if you need more advice. I can do mortgage loans in most states but again, I only do FHA loans for purchase and refinance.

Comment by Jessica Eskridge on June 24, 2008 at 6:44pm

Anyone have suggestions on how to get better credit when it comes to not having any in the first place? I found out when I was 19 that someone had been using my social for several years and even to this day sometimes it comes up in weird places. I myself have racked up 30,000 in medical bills and about 7,000 in student loans. I've lived off cash not entirely by choice. I have never had a credit card, car loan, nothing like that but my debt to income ratio is so out of whack that it seems I'll never get ahead. I want to give my children better and sometimes saving up isn't always an option especially when it comes to a house, new car, etc. Everyone keeps telling me the first step is to get a car loan or credit card but how can I get one if no one will touch me?

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