One of the foremost aspects of buying a home is securing a mortgage. Securing a mortgage can be difficult if you have bad credit, and may result in an excessively high interest rate, or a complete denial of funds. Repairing your credit should be the first thing you do, before you apply for a mortgage.
Repairing your credit can be a lot of work, despite being so easy to ruin. If you miss a few payments, or lose your job, your credit rating can tank in the blink of an eye. There are several methods for tackling your credit repair, but they all require discipline and a rededication to self-control.
One popular method for repairing your credit is the Snowball Method, which entails listing every debt you have from smallest to largest and…