You have gone through bankruptcy and you do not owe anyone. Now is the perfect time to purchase that home you have always wanted — right? Wrong! Yes, you can probably locate a real estate mortgage lender, since you cannot declare chapter 7 bankruptcy again for at least 6 years. The problem is that you will pay the highest finance charges for the privilege of obtaining that real estate mortgage, charges that will extend over the life of the real estate loan.

Before even looking at real estate, get your straightened up first. The bankruptcy will appear on all three of your reports from seven-to-ten years, which will make you a higher risk to real estate lenders. You cannot do anything about this; however, you can show real estate lenders that you are handling much better now by rebuilding it. This can lower your risk factor, when obtaining a real estate mortgage. Using the following improvement steps, you actually can rebuild your in a relatively short time.

First, get copies of your report from the agencies, and clean them up. You have the right to one free report from all three agencies annually, which can be obtained through www.annualcreditreport.com.

Ensure that creditors, who were listed in your bankruptcy, have cleared their information from your reports. Otherwise, it will appear as if you still owe them money and are not paying.

Ensure any creditors not listed in your bankruptcy and you are paying regularly have been reporting your good record to all three agencies. Contact any not reporting this and ask them to do so. This will increase your chances of getting a loan for your real

estate.

If there was a specific event or cause for your bankruptcy, you can add up to a 100-word explanation to your report at each agency. The real estate lender will get this explanation as part of your report.

It will look especially good to real estate lenders if you have received counseling, and the counseling will help you in several ways. A good counseling agency will help you create a budget and counsel you in how to use and stick to it. They offer counseling on using in your future, as well as how to re-establish your credit. They can help you move toward your goal of buying real estate. Once you have successfully completed counseling, ask them for something in writing to that effect. It can help when applying for your real estate loan

The problem is finding a reputable agency. Some are downright questionable. Here are a few ideas to assist you in locating a reputable agency:

• They should be a member of either the National Foundation for Counseling or the Association of Independent Consumer Counseling Agencies. Both are national trade associations.

• Agencies approved by the U.S. Trustee’s office (part of the Department of Justice) are good agencies. You can see those for your area at: http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm.

• Interview the agencies, asking what they offer and the cost for each service. Good agencies should meet with you for 60-to-90 minutes, reviewing your financial situation and offering budgeting advice — before doing any repair.

• Ask for costs in writing from the agency you choose. They should charge around $50 or less, with budget counseling sessions for less than $20 each.

• Steer clear of those who push their debt management program, where they want you to pay all your remaining creditors through them.

• Check http://www.ftc.gov/bcp/conline/pubs/credit/fiscal.htm for more ideas from the Federal Trade Commission.

Use the counseling agencies to help you rebuild your the right way. It can take less than a year to achieve; yet, it will make a big difference when you obtain that real estate mortgage.

John Harris is an expert researcher and writer on real estate topics such as economics, improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com

credit portfolio -supplying responsive, process-effective ... knowledge of accounting principles, credit and collection policies and procedures, and credit...]]>

Credit and collection Rep II follow-ups with insurance carriers, including Medicaid Medicare, facilitate appropriate reimbursement for Children's hospital and physician service. High school diploma or GED required. 2 to 3 years of...]]>

Credit/Collection ... Play a vital role in this company as a Credit/Collection Specialist with your strong organizational skills...]]>

Credit/Collection Specialist Our client, an industry leader in Stockton in all phases of the construction industry, ... professional. Play a vital role in this company as a Credit/Collection Specialist with your strong...]]>

collection activities and collection of aged receivables and the ... This person will be responsible for billing and collection of commercial business accounts at a medium-high credit...]]>

credit limits. Sets up special credit arrangements, payment schedules and collection tactics.Requirements:college degree in Business, Finance, or Accounting. ... Minimum 4 years in Credit & Collections...]]>

credit approval, etablishing order and credit limits and collection performance ... equivalent experience Excel, Word, Access Prior commercial credit/collection experience and industry knowledge...]]>

Credit/Collection Associate 3 Business Unit McKesson Medical Surgical City Golden Valley State ... of outstanding accounts reports, gathers credit and/ or collection reference information, generates standard...]]>

collection of commercial business accounts at a medium-high credit ... Requirements: This requires a working knowledge of credit practice, commercial credit law, and accounting...]]>

CREDIT & COLLECTION SPECIALIST: PART TIME Howard Miller, America's largest clock company, has an immediate opening ... of new orders relative to established credit criteria, collection of past due balances and reconciliation of...]]>

Credit and Collection Clerk I Location Fort Worth, TX Duties and Responsibilities Responsible for ... with account reconciliation, accounts receivable, collection, and/or customer service preferred - Must have...]]>

credit investigations ... credit practices, financial analysis, basic accounts and collection of past due accounts * Must be able to...]]>



credit approval, etablishing order and credit limits and collection performance ... experience %0AExcel, Word, Access %0APrior commercial credit/collection experience and industry knowledge...]]>

Credit, & Collections Department. The position of AR, Credit, & Collections Department Manager is responsible for ... items: Setting credit limits for customers, direct collection activities, and staff management, in order to...]]>

credit investigations ... credit practices, financial analysis, basic accounts and collection of past due accounts%0A * Must be able to...]]>

Credit/Collection Support Level 4. Responsibilities ... to assist in cash application and requests for issuing credit memos with supporting documentation on open...]]>

Credit Collection Analyst - Job Description: *Candidate will manage the AR, Credit & Collection process ... *Will provide administrative support in the collection process *Prepare & evaluate bad debts and commercial credit...]]>

Credit/Collection Support Level 4 ... Coordinate with Accounting to provide detail to assist in cash application and requests for issuing credit memos with...]]>

credit requests and provide Credit Manager with all ... by complying with legal requirements. * Enhances credit and collection and organization reputation by...]]>