When getting ready to buy your first home, of course the first thing you need to do is make sure that your credit correctly reflects your current situation putting your best foot forward. If you have late payments, judgements and medical bills on your credit it will give the lenders the impresssion that you are not responsible with your money and you won't qualify for most programs. Working with a loan officer with the ability to go over your credit with you, let you know which debts are more important to focus on then others and then quickly resolve any errors for you is key. First you want to make sure to take care of the following:
No late payments: If you show that there is a past due amount on a account even if it is a few weeks late, make sure to pay it current to reflect positive credit for that month. The amount owed as well as how much you owe
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