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I invite you to participate in what I like to call "the great quest" and if it is in you to follow what I say then I assure you that the end of the journey will find you in a better position to find a great bad credit mortgage. But don't just think that since it is called a bad credit mortgage and you have to get one means that you should allow yourself to be taken advantage of, because you shouldn't.

I'm assuming since you seek a bad credit mortgage that you have made a few mistakes regarding your credit in the past. Ask yourself; are these mistakes fixable, if so am I willing to fix them and how long will it take to do so? If not, what alternative steps can be taken in order to better prepare you for the mortgage application process.

Success Move #1- Find A Knowledgeable Professional

A bad credit mortgage borrower should be looking for mortgage pro who's main clients are bad credit borrowers. A thorough bad credit loan mortgage guide should have the ability to assess you credit situation is minutes and tell you whether they can be of some service to you. An information pack should always be received by you from the bad credit mortgage pro- showing you what to do to better our chances of getting that mortgage.

Here's a side note; if a bad credit mortgage professional tells you you're not ready to get a loan just yet then you probably should listen. But don't fret; the info given to you is like a workout plan geared to tone your bad credit fat into more pronounced financial muscle.

Success Move #2- Get A Move On With Repairing Your Credit

Starting at least six moths to a year before you start your quest for your dream home, look for some effective and efficient ways to beef up your credit standing. A good way to do this would be to look for ways to even out the usage and charges on your credit card. Start by making sure that the cards you do have are being used evenly. This looks good and responsible to home loan mortgage money providers.

Many folks have gone the route of obtaining their credit reports and playing detective to improve their credit. They do this by looking for errors on the report and working feverishly on having the erroneous information taken off quickly. Don't think that you can have stuff that is obviously true taken off just because you complain. This will not help your cause- focus on the errors.

Success Move #3- Follow Your Instincts

Don't jump at the first bad credit mortgage you see. Look around and kick some proverbial tires. Compare and contrast and only go for what will work for you. Dread the thought of you getting stuck with one mortgage when another one comes to your attention that's ten times better.

Mortgage author Horatio Geddes would like you to learn how to pay a whole mortgage off 25 years early, even with a bad credit loan mortgage. Furthermore, get a free mortgage gift when visiting with us. This article is available as a unique content article with free reprint rights.

Can you cure your debt problems overnight? Are there secrets that the credit and lending industry wish you did not know? Are they doing their best to keep you drowned under a massive pile of debt with no hope of getting out from under it? This article will attempt to answer those questions using tips from the latest book on debt - Debt Cures.

Are there ways to get rid of your debt problems overnight? No, nothing that is legal anyways. There are ways you can reduce the amounts you owe; you can negotiate your debts down if you are facing collections and the credit card company does not want to risk losing all of what you owe them. Kevin Trudeau in Debt Cures says to show them an income statement and balance sheet showing your assets and liabilities and your ability to pay. If the credit card company can see that you have little to pay them then they may be willing to reduce the amount you owe.

If you are a good customer and pay all your bills on time, you can call up your bank and ask for a lower rate. This is the tip you see all over the net and in most of the finance books by Suze Orman, Dave Ramsey, Kevin Trudeau, and others. You have to do the legwork and ask for a lower rate. Harass them to lower your rate the way a debt collector will harass you if you do not pay. Keep calling, write letters, send emails. If they refuse to budge, go to a bank that will.

There are several ways that people get into bad debt - medical bills, unexpected car troubles, school books, Halo 3, etc. Some of these reasons are unavoidable and some - buying new TVs, buying a new car, buying the latest iPod - are some that should be avoided if you are trying to get out of debt.

The credit card company has no problem lending you money and increasing your credit lines when you keep paying the minimum payments. They love making 10, 15, 20% interest on the money they lend you. And then if you miss a payment or go over your limit, they get to charge you a $29 or $39 fee. When you add this fee onto your annual percentage rate, you are actually pay a much higher rate of interest than the stated rate. This is when it is hard to dig out of debt.

But you know all this stuff right? Many people do, but there are millions who do not take the time to read their statements and watch out for all these hidden fees that compound your debt problems. They have more important things to do. But when you're in debt and struggling to pay the bills, you're full of worry and anxiety and you want a way out. The solution is to take the little time to understand what you are being charged for and control your spending.

The banks do not want you out of debt. They do not want you to pay your balance off every month. They want you to go over your limit, miss a payment or two and they especially want to charge you the highest interest rate possible. How else can anyone explain the Universal Default Clause that more banks are adding to their terms? If you make a late payment to one card, this clause gives any bank the right to charge you a higher rate even though you did not make a late payment to them. How does this help someone who is in a financial bind? It only makes the situation worse and makes it harder for the person making the late payment. And then it starts a downward spiral.

How to get out of debt? Stop watching TV. A.C. Nielsen Co. states that the average American will spend 9 years of their life watching TV. That works out to about 4 hours a day. What does TV watching have to do with getting out of debt? If you're spending your evenings watching TV and you are deep in debt, you're going to stay that way. What you could be doing is working a second job or selling stuff on eBay to make more money. What you could be doing is reading books about making money and personal finance.

Conclusion

There are no overnight debt cures. There are tips you can follow to help you reduce your debt and keep your interest rates low. Do not give the credit card companies an opportunity to get you in their snares. Pay your bills on time, earn more money to pay off your debt faster, spend less than you earn, check your credit score and you can get out of debt.

Learn more about Debt Cures - the latest book by Kevin Trudeau.