I applied for a mortgage and the mortgage lender found some derogatory credit. I had a couple collections, a couple accounts I don't even have a clue about and a couple accounts that are reporting incorrectly. What do I do if I want to buy a home in Gardner with the USDA RD zero down mortgage loan?

Gardner Real Estate Question: I applied for a mortgage and the mortgage lender found some derogatory credit on my credit report. I had a couple collections, a couple unknown accounts and a couple accounts that are reporting incorrectly. What do I do if I want to buy a home in Gardner with the USDA RD zero down mortgage loan before the time runs out?

Great question. First I recommend consulting with a banking expert like Ron Yarbrough from the Bank of Kansas City. He is very knowledgeable in guiding home buyers. If you have the issues asked like collection accounts, unknown accounts or accounts reporting incorrectly, Ron will suggest that you contact his credit specialist.

Unlike many specialist, Ronnie's specialist does not charge $1,000 or more to repair your credit. Matter a fact, he doesn't rebuild credit. He corrects it. My last 10 clients who have been sent to Ronnie's specialist got their credit report to jump on average 50 points within 2 months for $75.

Second, you can always contact a credit repair specialist, but I haven't seen many who charge less than $1,000. I would still go back to my first step and contact Ron Yarbrough.

Need help with your credit?

Contact Ron Yarbrough from the Bank of Kansas City at (913) 307-1608. If you would like to compete a 15 minute pre-app before you call Ron in order for him to offer the best advice, go to his online app at: Bank of Kansas City Pre-app


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