We Buy Houses!

One of life’s biggest ironies is that there is more help available for those who don’t need it than those who do. The higher your credit score, the lower your interest rate. If you are doing well and have been able to keep your credit score high and your debt low, you will be rewarded with a lower car payment, for example, due to reduced interest even though you could afford to pay more. The person who might benefit from having a reliable new car for one of those $169-a-month car payments advertised on commercials often drives away with a used car and much higher payments. Of course, those who can qualify for the cars that are $169-a-month, seldom want those and opt for other upscale models they can afford as their interest rate is lower.

As there is no law that forces companies to grant credit, much less at a cheap price, the rest of us have to, first, use what it available for us, and then, plan for the future by improving our credit scores. As mentioned in a recent article, those who seek mortgage help by using a government or lender-sponsored program suffer a credit score blow. Those who file bankruptcy or lose their home to foreclosure are penalized for years. However, any of these things can make for a fresh start.

There are a couple of ways that people in trouble can initiate their own fresh start. Many times people cannot afford to be homeowners, even with mortgage reductions. This is why short sales and even deeds-in-lieu have become a popular way of divesting oneself of a home. If the lender agrees to go with either process, you, as a debtor, can put the mortgage behind you. Assuming that you live more frugally, you can work on paying off your other debt. The downside is that the lender can come after you for the difference.

Express Homebuyers offers a similar but often better option: we buy your home for cash.  Unlike short sales, which often take months to complete, you can have your deal wrapped up within a couple weeks. We even offer you $2,500 upfront so you can use to secure your new dwelling.

Want to get yourself a fresh start? Call Express Homebuyers today at 1-877-804-5252 or visit our website for more details. We can get you started on the way to financial freedom with one phone call.  Make today the day you take charge of your future. We will make you an offer on your first call, provide free reports to help you make your selling decision, and we even offer options to chat with one of our helpful consultants.

If those commercials for freecreditreport.com have ever sent you running to your computer to order the free annual report that the government says you are entitled to, back the truck up!  The reports may not be so free after all!

As a result of an FTC ruling in 2004, consumers are entitled to a free report from each from the three major credit bureaus – Equifax, Experian, and Transunion – each year.  Since that time, numerous companies have emerged to supposedly offer the report.  FreeCreditReport.com which pulls in customers with amusing commercials, as well as others companies, offers a report but requires you to sign up for a service that may cost $15 or more per month.  This includes credit monitoring, potentially a good thing – as long you know what you are getting into.  This and other similar sites offer a small window for ordering your report and then being able to cancel without charge.  Though FreeCreditReport.com appears to be a reputable company, others may be scam sites that only want your personal information.

The site that offers the truly free reports is AnnualCreditReport.com.  Consumers can check all three bureaus at once or stagger the requests over the course of the year to see progress.  There is usually some variation among the three bureaus, so ordering from all three each year might be wise.  The only report guaranteed to be free with no strings attached is the official AnnualCreditReport.com site.

Once you go to AnnualCreditReport.com, you must choose which bureau you want the report from.  You are then sent to one of the three credit bureau site.  After entering some information, you have your report within minutes.  The free annual service includes the report only, not the score.  You can order your score for around $8 or sign up for the credit monitoring service.  The lack of a free credit score is an annoying shortcoming of the official site, but, nonetheless, obtaining the basic information without charge is valuable.

As of September 2010, so-called free sites must disclose that they are not offering the free service guaranteed by the FTC.

Questions?  Check out the FAQ’s at AnnualCreditReport.com.

Express Homebuyers buys homes for cash.  A simple call could yield you a $2,500 advance and a way out of housing debt in about two weeks.  Contact us today for all the details.