I don’t think I have ever experienced as much humiliation as when my wife and I decided we needed a bigger home. I was her husband and had promised her father I would always take care of her in any way I could. Yet, at that time, I was the only thing holding her back.
After dating for almost two years, we made the decision to spend the rest of our lives together. At the time, I was living in a two bedroom apartment that my roommate had occupied long before I moved in. Because of this, my poor credit was irrelevant. My soon to be wife on the other hand had been living in a small one bedroom apartment on her own.
Once we were married, it just made more sense for me to move in with her and for the two of us to start saving together. She had asked me about my credit once or twice, but because it wasn’t a serious conversation at the time, we didn’t go into much detail. I made sure she knew it needed to improve and we left it at that.
The big dilemma
After being married for seven months, my wife became pregnant with our first child. Once the excitement settled down after a few days, we began discussing the fact that the small one bedroom apartment would never be big enough. We needed to address the matter as quickly as possible, in order to focus the majority of our attention on the pregnancy.
Because of the fact that we had both made career moves within the last 18 months, we decided it would be in our best interest to find a bigger apartment and wait a year or two before purchasing our first home. We started spending the afternoons driving around our favorite neighborhoods, looking for anything that was available for rent.
After finding the perfect apartment that had everything we needed, we ran into our problem. Because of my credit, we did not qualify. My wife brushed the incident off and the search continued. After the same results occurred with the following three places we looked at, I had to face just how serious the issue was.
The best preparation for our future
My wife and I began going over reviews for credit repair companies. Within a week, we found a company that was excited about working with us and what we could accomplish. We made sure they knew of the baby being on the way and we needed to see results as quickly as possible.
The next six months were tough. Instead of preparing for the child we were getting ready to bring into the world, every extra penny we had went towards improving my credit. I worked every extra hour I could, making things even more difficult on my wife during the time I should have been at home spending time with her.
In just six months, the results of our hard work and the company we worked with were nothing short of a miracle. Not only was my credit drastically improved, our bank was so impressed with the results we were able to receive a loan for our first home. No more renting something that would never be ours. We were on our way to buying a house our child could call home.
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