CREDIT HISTORY PROBLEM

(Article published in HWW Dec 2007)

A READER WRITES:

I am currently in a shelter and I am looking for an apartment. I do not have perfect credit. Everywhere I go they ask for good credit. Do you have any information on how to clean or fix your credit to get a decent apartment?

AWILDA VELEZ, FINANCIAL CONSULTANT, REPLIES:

Have you checked your credit recently? If not, do so before you look for apartments. You can get a free copy of your credit report once a year by calling 877 322 8228 or clicking on www.annualcreditreport.com. Very Important to do this. Also, if you know you have bad credit, speak with your creditors and do all you can to improve your credit simply by communicating with creditors. Need help doing this? Call me, (718) 823-2573. Email: AwildaVelez@msn.com

When I have a client with a credit problem, I will give them a letter they can show landlords saying that I am working on helping them with their credit problems. If you want to talk to me about this, give me a call at (718) 823-2573.