Understanding how to fix your credit is essential towards gearing up for your home purchase. The higher that your credit score is the lower your rate will be. 740 should be your ultimate goal and if your score is not at least 620 you have some work to do. I will help you with the tasks in loved with increasing your score. All I ask in return is that you then use me to secure the financing for your home. That is the only way I get paid. Helping you fix your credit takes hours of work on my end. I do not get paid for this work. My payment comes when I successfully close a mortgage for you. If I help you for months on end fixing up your credit and then you take that high credit score and close on a mortgage with someone else than that leaves me in a position of having done a lot of work for no pay, and seriously, who wants a job like that? I only mention this because it has happened too often recently and I need to put my foot down and stand up for myself regarding this issue. Thanks for understanding!! :)