“It is so Rewarding to see these Results”

           “It is so Rewarding to see these Results”




Hello Joe,

Hope everything is well. I have a few questions. I believe I asked you already, hope you don't mind refreshing my memory.  What is the minimum credit score I would need in order to get approved for a house? After I get my credit to that number or higher, what's the next step I need to take? I'm continuing to work on paying off things. As soon as I get the receipts, I'll send them to you.


I also got my car, according to Transunion my credit score is 578 as of 3/11/17. I was surprised since I've been checking credit karma and they were giving me a much lower number (535-540). Thank you for all your help.


This client started out with credit scores in the high 400’s and sometime in 2017 she will become a homeowner instead of paying $1650 in rent. She already has her down payment, the income will work for her needs and the only thing left is to get the credit scores higher.


I just looked back at my original email of instructions and she has accomplished more than half of her list. Besides working on settling her outstanding collection accounts she is making sure to keep all current and new credit card payments on time or paid ahead.


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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 5 commentsJoe Petrowsky • April 04 2017 01:25PM


Working to get a renter to molt into a home buyer by repairing their credit is a beautiful thing!

Posted by Andrew Mooers | 207.532.6573, Northern Maine Real Estate-Aroostook County Broker (MOOERS REALTY) over 3 years ago

I'm sure she is happen she consulted with you! Great thing that she is determined and following your suggestions.

Posted by Kat Palmiotti, The House Kat (406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty) over 3 years ago

Good morning Joe. Great example of how persistence pays off! And in your case patience! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) over 3 years ago

Good morning Joe. I always enjoy reading about your clients and their appreciation of you and your services.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) over 3 years ago

I know there are places where she could get a loan with that credit score but a little more work will lead to a better financial situation.

Posted by Joe Pryor, REALTOR® - Oklahoma Investment Properties (The Virtual Real Estate Team) over 3 years ago