Florida Trusts and Estates Probate Law - Attorneys Wills Trusts Estate Planning

Certified Specialist, Real Estate Law, The State Board of Florida Board of Legal Specialization

Title Insurance Closings - residential and commercial

Wills - Trusts - Estate Planning

Probate Administration

Incorporations - LLC Formations

Condominium Law

Back to Home Page

Credit Issues
as answered in The Breeze by Attorney Sylvia E. Heldreth

I am a 23-year-old single woman. I am about to buy my first home and some friends with big credit problems have made me very nervous. They say that I may be agreeing to pay more than I know when I get a mortgage and that there may be things in my credit history that I don't know about. Yikes! Is there any protection in the law?
Read Answer

I recently married the man of my dreams who is perfect in every way, except for his credit. This suffered badly during his previous divorces. We want to buy a house and my credit is perfect but my cousin who bought a house last year says that my husband's credit will still have a negative effect upon our mortgage application. What can we do?
Read Answer

My husband and I would like to purchase a house. There are lots of things to consider but I am most worried about our credit scores. I have never understood how this works and we have heard horror stories about inaccuracies and problems. What is this all about?
Read Answer

I bought a new house last year. Although I never actually saw the credit report my lender received about me, I learned that it had inaccuracies. Luckily, we were able to correct them. Now I'm going to buy a small rental property and I'm wondering how I can get an updated credit report without paying $25 or signing up for a "trial" service. I already had one free report earlier this year.
Read Answer

I am beginning the process of buying a house and two of my friends have asked me if I know my FICO score. I'm embarrassed to tell them that I don't know what this means. Is it important?
Read Answer

I have a cousin who was recently the victim of identity theft and he had a terrible time repairing his credit. I'm going to buy a house soon and I know what steps to take to minimize the chances of identity theft happening to me. Even after knowing how to protect myself, I wonder if there are some early warning signs that I am a victim of identity theft.
Read Answer

My cousin recently applied for a mortgage and discovered that he had been the victim of identity theft. He said repairing his credit report was a nightmare. I'm going to buy a house soon and I want to make sure this doesn't happen to me. What can I do?
Read Answer

This information is not intended as specific legal advice to anyone and is based
upon facts that change from time to time. Individuals should seek legal counsel
before acting upon any matter involving the law.

1215 Miramar St., Cape Coral, FL 33904
Telephone: 239-542-8899, Facsimile: 239-542-2923

Contact Us: Heldreth1@aol.com