So Doctor Debt , What do I do next??

Dear Debt Doctor: "I have attached the latest copy of my Credit Report from Transunion. You will see that it is not all that bad and that I just went through a bad patch.

There are only 2 creditors which need sorting out but the problem is with them and not me.  Other than that all is in order.  What do you think I should do?" 

 Well, well, well, well:  Credit is like sex, great when you get it, but terrible when you are refused.  So I gather your credit and loan requests were refused.

There have been to too many folks who have done credit checks on you and that negatively affects your score. So you need to hold back a bit on trying to finance. Each credit check drops your Delphi score by a few points each time and the banks use this as part of your credit rating for their internal scoring systems.  I see 17 checks this year alone.  Maybe you should use a loan officer that is independent from the banks.  As this is homeloans you are looking for I suggest you use a mortgage originator and then let them pre-decide whther you should go to a bank or not.