I Need a Score Boost within the next 45 days PLEASE HELP!!!

[Anonymous]

Can you just rent to own the house from her? Take over her mortgage payments and in about 6 months look into getting a mortgage... but like I said you can still get a mortgage NOW but the interset might be a little high... I just dont see a miracle in 45 days even with a cli, and even with a cli the inq will hurt you.. you just cant win this fico game in 45 days... unless you sleep with someone at tu, ex, and eq

[Anonymous]

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scramblingin2007 wrote:

 unless you sleep with someone at tu, ex, and eq

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Stop stealing my ideas!

[HA2007]

ohhhhh, not like people are lined up buying homes today. at least 60 days to see the real, turn around.

pay all you can and pry for the best.

[Anonymous]

You want a creative strategy? Form a limited liability company online. Within a few weeks you will get applications for credit for that company that will not appear on your personal credit report. Move some of the debt over to the business line or lines. Your fico will then improve and you can buy the house. If you buy in a market where prices are rising, you can take a second mortgage on the house to pay off the credit cards. If you're not buying in a market where prices are rising, you're better off renting anyway. See ofheo.gov for housing value trends.

[Anonymous]

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You want a creative strategy? Form a limited liability company online. Within a few weeks you will get applications for credit for that company that will not appear on your personal credit report. Move some of the debt over to the business line or lines. Your fico will then improve and you can buy the house. If you buy in a market where prices are rising, you can take a second mortgage on the house to pay off the credit cards. If you're not buying in a market where prices are rising, you're better off renting anyway. See ofheo.gov for housing value trends.

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I always wondered how this worked.  My husband owns his own business and often gets cc offers for his business. Don't they pull his credit in order to approve the card?

[fused]

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chuckhughes2 wrote:
You want a creative strategy? Form a limited liability company online. Within a few weeks you will get applications for credit for that company that will not appear on your personal credit report. Move some of the debt over to the business line or lines. Your fico will then improve and you can buy the house. If you buy in a market where prices are rising, you can take a second mortgage on the house to pay off the credit cards. If you're not buying in a market where prices are rising, you're better off renting anyway. See ofheo.gov for housing value trends.

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This is not a good idea. It's best to keep personal and biz credit, money and debt separate.