Tag Archives: home loans

So Kevin and I take pride in having good credit. But we want excellent credit. My goal is to be able to walk into any car dealership or apply for any loan/credit card and be approved, allowing us to get the best possible interest rates.

Now we don’t plan on going out and buying a new family vehicle at this moment. We’re just going to continue to repair my old SUV so we can continue to enjoy not having a vehicle payment. We have been car payment free for just over a year. We made the lasjujut payment on Kevin’s truck in March 2014. We’d rather save up for a new family vehicle than take out a loan. This would/could prevent us from obtaining a mortgage loan when we are finally ready to purchase our dream home.

But in the off chance that we have no other choice but to take out a loan… I want to know we’re getting the best rates possible. So we’re working on paying off credit card debt, one card at a time.

I’m also going to write two goodwill letters for two derogatory marks on my credit reports. They’re from when I was married to my 1st husband… So I’d like to get them off my credit reports. This alone will help boost my scores a little bit.

I’m so close to having a 700+ credit score. In fact I’m about 10 points from 700! By paying down our credit card debt, I’ll be lowering our credit utilization thus raising our credit scores! Boom!

Are you wondering how to get your head above all your credit card debt, mortgage, car payment, student loans, etc? Well leave me a comment below and I’ll post a blog about how to pay down or off your debts early by only changing  little things.

I’ll be updating all you loyal readers on my success or failures, as far as the goodwill letters go. I’m really hoping that I can persuade them to remove the negative marks because I’ve already paid the debts off last year in September 2014. Of course, it takes about 45 days to get any real response from creditors and the credit bureaus. So check back for updates on this subject around mid-August.

Is there something you’d like me to blog about? If so, please leave me a comment.