90 - Credit Repair For 300-669 - “Bad” Or “Fair” Credit Scores
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 29 April 2022
⏱️ 22 minutes
🧾️ Download transcript
Summary
Can you buy a home with what the credit bureaus call fair or even bad credit? Yes, you can, but you need credit repair ASAP. Why? Because, like it or not, credit scores matter when you are looking to get a loan for your first home purchase. There are many simple action steps that MANY How to Buy a Home listeners have used to jump 25, 50, or even over 100 points to get them set up to be ready to buy a home. Use the tips that have worked for other real people just like you!
Connect with me to find a trusted realtor in your area or to answer your burning questions!
Subscribe to our YouTube Channel @HowToBuyaHome
Instagram @HowtoBuyAHomePodcast
Tik Tok @HowToBuyAHome
This podcast was created for YOU - to cut through the confusion and empower you to buy your first home. Let's change how the real estate industry treats first-timers, one buyer at a time- starting with YOU!
Visit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!
David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.
Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Can you buy a home with what the credit bureaus call fair or even bad credit? Yeah, as a matter of fact, |
| 0:05.9 | you can. There are loan products with credit scores at 580. And that's awesome, but even better. |
| 0:12.3 | You can get better and better products and pricing every 20 points from there. You save money as you |
| 0:19.6 | keep going up with your credit score. |
| 0:25.6 | So the best plan is to raise your credit score immediately because it takes some time to do that. |
| 0:33.0 | So while you're saving up your down payment, at the same time, we're going to quick blast of education to help empower you for what will likely |
| 0:54.5 | be one of, if not the biggest purchase of your entire life. But don't panic. I got you. Together, |
| 1:02.6 | we're going to crush the confusion. Oh, credit scores. Credit scores, credit scores, credit scores, |
| 1:07.9 | and buying a house. It is very important. The higher your |
| 1:12.9 | score, the better the loan program and the interest rates and the overall approval. It affects |
| 1:18.9 | all of that stuff when you're going out there to try to buy a home and get approved to purchase |
| 1:23.3 | and you get the loan to buy the home. Wow, David, have you been selling homes long? |
| 1:28.3 | That was the worst sentence I've ever said. |
| 1:30.2 | Leave it in, guys. |
| 1:31.1 | I want people to know I'm human. |
| 1:33.3 | Anyway, your credit score affects all that stuff that I apparently just couldn't say. |
| 1:37.2 | So that means that just even a bump up of just 20 points, 30 points, 40 points, 50, 75, |
| 1:43.9 | that could save you tens of thousands of dollars. |
| 1:48.2 | And I'm talking about every single month you're going to be saving. It's exciting stuff. |
| 1:53.2 | I know. Can you believe it? I'm a dork. Credit scores. It's exciting. So today I'm going to focus on |
| 1:58.4 | tips for people with fair or even what they call bad credit. |
| 2:02.7 | Don't worry about it. |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from David Sidoni, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of David Sidoni and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.

