Dear Liz: My husband and I are newlyweds and looking into purchasing a home. However, many homes in our area sell for $50,000 and more over the asking prices, which already are pretty high. We have stable jobs, but our dilemma is whether we should go into the market now or continue to save and wait a year or two. Answer: The best time to buy a home is when you can afford to do so. It’s hard to time any market, but that’s especially true for real estate.
My payment behavior has done little to improve my low score. Maybe 2025 will bring relief, as that will be seven years since the collection letter. Answer: Your situation offers the opportunity to clarify a few things that confuse many consumers. The first and most important: We are responsible for paying our credit card bills whether we receive those bills or not.
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