u/Western-Tutor-594

Are there any benefits for going with a manufactured home that has a lot rent?

I am just trying to create a pro and con list to manufactured homes right now, and since I can't afford purchasing land, it would have to be one with lot rent. Most of the lot rent is over $1000, and it is hard to see paying that on top of a mortgage payment. Though the mortgage might be cheaper since the manufactured homes are cheaper but even the idea of constantly paying rent higher than most hoa in area even after pay off the mortgage is a hard sale for me. Plus, the feeling of not owning the lands makes me feel like it defeats the point of not renting. Although it would be slightly the same case with condos and town homes. I also worry thay since I don't own the land, which means that the park/community can close or jack up prices, leaving me in limbo or homeless

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u/Western-Tutor-594 — 1 day ago
▲ 0 r/CRedit

Why would an inquiry add to my score?

Just curious since I thought inquiry drag scores down. Plus, this is my second hard check this month.

u/Western-Tutor-594 — 10 days ago
▲ 1 r/CRedit

Is there any action I can take now to start rebuilding or do I just have to wait?

Over the years, I have been working on building my credit, but at some point, I did slip up. I am still trying to work on it, but I am also trying to qualify for a mortgage. I know that after 7 years, the charges off will fall off, but I dont know what else I can do to boost and rebuild credit. I am not even sure where to begin or if all I can do is wait as I continue paying bills for it to grow. I talked to Brightstar to try and do a pay for delete, but they refused. I ended up paying the $136. The open sky is a secured credit card that originally got to boost my score. I usually try to pay at least $150-$200 each month, but I have been struggling lately and only have been able to do the minimum payment of $25.

u/Western-Tutor-594 — 19 days ago