Living With Bad Credit | Mortgage | An educational resource for all of your credit issues

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Selecting the Right Mortgage
Although there are many different types of mortgages, they all fall into one of two categories: fixed-rate and adjustable-rate.

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Rent vs. Own
Weigh the advantages and disadvantages to renting and buying a home before you make your decision.

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Preparing to Buy a Home
Purchasing a home can be both complicated and overwhelming. Preparation is essential to making the purchase as smooth as possible. Following these steps will prepare you to buy a home.

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Disputing Errors
The first step is to get copies of your credit report from all three major credit bureaus: Experian, Equifax and TransUnion.

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Down Payment Options
Today there are many loan options available for home buyers. Some government agencies offer options on mortgage loans with little or no down payment.

Improving Your Credit Score
Your credit score is what lenders use to asses their risk in loaning you money. Follow these easy tips to improve your score.

Sample Letter and Addresses
Here is a sample letter for disputing information in your credit report. And addresses for all three major credit bureaus.

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