Re: Owner financing
01-21-2013 06:43 AM
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.