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My husband and I are looking at buying a house...well, we are kind of being forced into it. We are renting right now but the landlord wants to sell the house we are in. There isn't another person on the planet who will rent to us with our 5 dogs, so buying is the only option.
Our credit is pretty bad. We have been married under 2 years and have struggled with who makes what payments and so on. That has not helped our credit and we do have recent collections on things like medical, student loans, and a cc. Before all that, he had next to no credit, and I had a terrible credit record all together.
We are considering two options, the first being to go to CCCS and start a DMP, the second is following a friend's advice, and call their broker and see what he says. They say he will look at everything and tell us what to fix first and so on.
I am researching the DMP and seeing such conflicting opinions I'm not sure if I want to do it. With my luck I would end up being one of the people who go though hell and back because of the DMP. And I'm worried that if we do the DMP it will take too long and we will have to find foster homes for our fury kids.
Any advice is welcome!
Thanks!