Credit question/Loan advice/ LLC- need some thoughts

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1. Is there anyway to resolve that now? It happened almost a year ago.

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Well, is it true? IF it was settled and not paid in full, the only thing you can do is talk to the bank about why you feel the debt was not just. If you have no other issues, a good banker might be able to help.

If it's not true, then redispute it with the provision that the reporting is not correct.

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my wife has good credit, but no income and student loan debt. anything i can do with that?

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What state are you in? If she has no income she probably can't qualify on your own, and if you have income, they will need to look at your credit report.

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Would starting an LLC help with the credit issue/ getting a loan for construction? Especially if I list it under my wife?

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The bank is 99.999 percent of the time going to want a personal guarantee, which they will probably judge you as being unable to give.

Go talk to multiple banks and funding companies. If that's your only issue, find a bank that will actually review your report, not just your score.

I dont know how long it takes to improve your credit but first off make sure you have nothing delinquent right now. Then after that go take some cash, put it in a CD at the bank, yes low interest and all, and use that CD to get a secured loan, under $5k. Start making the monthly payment on it. Then go get a secured credit card, they're typically like $200/mo limits, spend like $50/month on the card, no more, and always pay it off. Do this for 6-12 months then come back and check your credit, should be fine. I had to do this all with my fiancee, we went from 470 to 750 in 2 years.

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I had to do this all with my fiancee, we went from 470 to 750 in 2 years.

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You've got some balls marrying a chick with a credit score of 470.

yeah i've searching for options all day with little success. Only potential solution I've found is via some of these piggybacking services...but they are expensive and no guarantee it'll work. Anybody have any success going this route. Any long term negative effect on your credit?

Did find someone that would loan me money for new construction but haven't found anyone willing to do pre-approval for permanent financing, which is frustrating because by the time I actually close on my house I'm guessing my score will be back up over 660 or so.