Download The Home Buyer's Answer Book: Practical Answers to More Than by Diana Summers PDF

By Diana Summers

Procuring a house might be demanding and overwhelming, specifically in case you don't know the bits and bobs of actual property. This booklet offers easy-to-understand solutions to a few of the most typical questions that domestic dealers have.Topics mentioned include:--Finding property--Figuring out how a lot a home in worth--Preparing an offer--Financing --Laws that follow to genuine estate--Tax issuesThe domestic Buyer's solution e-book is a brief, authoritative reference for shoppers who wish quick solutions to their so much urgent home-buying questions.

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Obtaining loans and credit cards with reasonable terms difficult. Scores from 760 to 850 can get the person great terms on credit cards and loans, including mortgages. qxd 26 1/17/08 12:53 PM Page 26 The Home Buyer’s Answer Book I have very poor credit history, and I heard that certain companies can fix it so that someone will loan me his or her credit score until I get a mortgage. Is that true, and if so, how does that work? Born in the era of the past seller’s market, some credit-boost companies advertise that they can quickly boost a person’s FICO credit score by 200 to 300 points.

If you find out that the bill didn’t follow you across the country, you should take steps to contact the creditor and pay the bill. Of course you will be charged for court costs if the bill went to judgment. As for cosigning for another’s debt, if the other person does not pay then the creditor legally can come after you. Your only options are either to pay the debt and then sue the other person for the money, or sue the other person to force him or her to pay the debt. Finally, when speaking with the representatives at the credit bureau, remember to be courteous.

Lying on a dispute with the credit bureau does not help your case—it just makes everything you say and present suspect. Once a decision is made, ask what you can do if you do not believe the decision is correct. Depending on the dispute, credit bureaus may assign a second investigator or supervisor to review the dispute file. If the decision remains against you, ask the credit bureau if you can post a document on your credit report that explains your side to anyone reading the report. qxd 1/17/08 12:53 PM Page 21 Fix Errors on Your Credit Report 21 Where can I get additional information on my rights in dealing with my credit report?

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