Valued Contributor
GregB
Posts: 1,670
Registered: ‎05-24-2007
Re: Owner financing

I would get a secured CC to start building some positive credit.

 

I would pull your full credit reports from annualcreditreport.com (don't pay for scores!) so that you can see when the negatives will fall off.

 

You are saying the collections are 5 years old but how old are the other negatives?

 

It sounds like you need to think long term on getting your credit back to acceptable.