My boyfriend has no credit and we're trying to qualify for a mortgage. We really want to buy a house by like November so we can qualify for the first time buyer credit.
If he got a credit card like today, that would be about 4 months. Is this enough time to get a score?
Also, he can't get approved because he has no credit, will a secured credit card give the same credit as a regular card?|||What is your credit like? If your credit is good just buy the house in your name only. Go to http://www.churchillmortgage.com where they will not charge you points or origination fees. They are endorsed by Dave Ramsey who is somebody you really should be listening to. Also get the book "The Total Money Makeover" by Dave Ramsey. I recommend this book second only to the Bible.|||It's going to take more than 4 months to establish credit. Do you have good credit? If so, add your boyfriend to one of your credit cards. Your good credit history will transfer to him.|||Here i s an excellent site with some wonderful options for you. It will definitely help you. Have a look. http://usacredit4.notlong.com/2AALWgM
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