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Do You Need a Credit Repair Company to Fix Your Credit Score?
Even before you start to look for your dream home, you are going to choose a lender and start the process of applying for a mortgage. There are several reasons that this should be your first step. Finding out what your lender will qualify you for - and comparing that with your comfort zone of mortgage payments - is always a good reality check. You probably aren't exactly sure what price range you should be targetting for your dream home so this will help you simplify your home search. The second reason is equally important. If your lender pulls your credit early in the process, it gives you time to improve your score in a purposeful system.
Once you know your credit score, your lender may have some suggestions such as paying off a particular card. Furthermore, if your credit score is low, it could be due to errors on your report. This is very common, and it can significantly lower your score and make it difficult or impossible to be approved for a credit card, car loan or mortgage. With sufficient lead time, you can dispute those errors and get your score up into a range sufficient to qualify for that dream home.
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