holy cow, 44 times?
that burns me up. he should know better. how log ago did this happen? I would personally go have a discussion with that persons boss.
But you're trying to make things better.... so. I know you can dispute unauthorized inquiries.
In my opinion, going for a bad credit loan may be the wrong direction and might have you spinning in circles and getting nowhere. I did loans for 4 years. All of the banks that offered loans for lower credit scores are bankrupt. last I heard somewhere around 50 banks are out of business, some very good ones. Theres really no market for it.
If you find private financing for the short term funding y ou need, thats great. They usually dont touch your credit (MAKE SURE THEY DONT!) But the interest rates average at approximately 11-13%, and can even go as high as 16% Dont go through a broker to find this.
If you can at all wait for a home, get those inquiries off and start building new credit and save as much as you can for a down payment. Then you can get a regular conventional loan. Lenders want to see 2 year history on everything, Employment and income, taxes, credit, etc. They want to see good solid tradelines and generally want to know that you're stable.
Best of luck to you. I hope this is helpful.
44 times. what a jerk. whats his name, he'll get an earful from me!
Trish
