?In the beginning

?The Sun Also Rises?? a famous quote, but for the majority of Americans who bear the pain of Bad Credit, it is nearly impossible to imagine that the ?American Dream? of home ownership is actually possible for them. I know that pain well, I`ve "been there and done that..." a few times in my life. I would like to share a few thoughts on the subject based upon my Personal Experience with credit problems, and my many years of Professional Experience helping clients overcome their bad credit situations and achieve the ?American Dream? of owning their own home. In fact, there is a special process that I have developed over the years, that guides people through not only buying a home despite having bad credit, but a step by step method of overcoming the entire trauma surrounding credit problems. This special process leads one through how to buy a home, overhaul (repair and restore) your credit, and return, to financial health!

A Journey of a Thousand Miles Begins with a First Step. Therefore, First, and Foremost, let me declare that Bad Credit is NOT a Terminal Illness! If I have learned anything in life, it is the fact that This Is America and You Can Start Over? Not Matter What! The miracle of this country is that one can make a committed decision and by following a written plan, overcome virtually any setback or misfortune! This especially applies to those with bad credit, bruised credit, no credit, or miscellaneous credit problems in general. Bad Credit Mortgages are obtainable... so let`s take the first step.

?You Must Be Born Again!? What does this famous Bible quote have do with me? Well, a lot, actually? Starting over again, rebuilding, renovating, overhauling anything is indeed the purest form of ?rebirth.? Thus it is with Bad Credit. The Good News is that it is actually possible! Just think of a few famous and successful Americans? have you ever thought of the behind the scenes details of their life? Has it occurred to you that their path to success wasn?t ?all gain and no pain?? Take, for instance, Fred Smith, President and Founder of FedEx. Did you know that he was nearly bankrupt and was considering suicide, and that FedEx nearly never ?Got Off The Ground??

Can you imagine what his credit report looked like? How about Colonel Harlan Sanders, founder of KFC? Did you know that he was in his 70?s and chose to reinvent his financial status when he started KFC. Ray Kroc, founder of McDonalds was middle aged milkshake machine salesman, and had a few financial problems of his own when he discovered a small hamburger stand in California, and had an idea and the determination to start over. Rich DeVos and Jay Van Andel, founders of the Corporate Giant, Amway, had begun with several failed businesses. If you only knew how many people have suffered the same type of setbacks as you and managed to overcome, you would and should be greatly encouraged! Approximately 33% of Americans have a Credit Problem, so cheer up, you are not alone!

Join The Club? Since we all have heard that ?membership has its privileges," well, I guess you?ll need the secret passwords then. They are; Income, Equity, and History. These are the four most important ?passwords? needed to join the home ownership club. We will explore these in more detail, even revealing the most important password of all, in my next article in the ?Life After Debt? series, Buying a Home With Bad Credit -- The Secret Passwords. Stay Tuned for more?