Herb Riede's Blog

I bought a house with the thanks of:
My friend who referred me to my Buyer's Agent - Abe Haupt - http://www.abetterrealtor.com
He's a big dog in Philly. And a good friend.

My Buyer's Agent - Terry Weigle http://www.TerrySellsMeadville.com
If you're in NW PA, she'll get it done for you.

Caldwell Banker Select Mortgage - http://www.SelectMortgageErie.com
Walked me through my credit step by step and what I needed to do to "get there". With the help of MyFICO's members, I surpassed it!

My middle FICO credit score was 580 in March and in July my middle FICO score was 658.

I did this with the assistance of obsession, membership with http://www.myfico.com, and daily log ins to:

Credit Report Memberships at:
http://www.truecredit.com
http://www.usaa.com
http://www.EliminateIDTheft.com
http://www.equifax.com

Free Memberships at:
http://www.credit.com
http://www.creditkarma.com
http://www.quizzle.com
http://www.creditsesame.com

After being carefully aggressive with creditors (no payoff without disappearing off my report!) and paying off old bills at about an average of 60%, and paying all credit cards to near zero in a specific formula, the FELLOW MEMBERS at MyFICO's message boards guided me from Poor Credit to living in my new home in LESS than six months.

As long as you can manage your current bills and pay towards your old ones, anyone can do it.

It just takes time, discipline, and patience. If you lack any of these, it will cost more money.