A foreclosure occurs when a borrower does not maintain their mortgage payments, and the lender who gave the loan reclaims the property and sells in an attempt to regain the money that was lost.  Steps Leading Up to Foreclosure  About 2-3 weeks after you’ve missed your first mortgage payment, a letter from your lender, Read More

When applying for credit or loans, your clean report will mean lower interest rates.  So if you have one or more negatives on your credit report, use the following strategies to fix it: Dispute: If the business/company that reported the an item (the “Reporting Business”—this can be a bank or credit card, too) made, Read More