"Bad Credit! No Credit! Zero Down!"

If this is something you are interested in...please don't call me.

You could, however, visit AnnualCreditReport.com, pull a free report and start the process of rebuilding your good credit.   

Across the country there are many state agencies that can walk you through the process of rebuilding your credit, help you to develop and live by a budget and prepare you to eventually buy your own home.

Always make sure that you are working with a HUD Approved Housing Councelor before you hand over ANY money or sign ANY contract for services. Here in South Carolina a great place to start is Family Services, Inc.

Kiplinger has a simple free budget tool to help get you started if you are new to budgeting. I also recommend checking out their "How Much Can You Spend For Housing" program.

Do you suspect your bad credit scores are the result of identity theft? If so, the FTC has wonderful resources about how to proceed if you suspect identity theft.

 If you feel you have been the victim of discrimination or unfair business practices you can contact...

SOUTH CAROLINA DEPARTMENT OF
CONSUMER AFFAIRS     (they are even on YouTube!)