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How do you clear up bad credit?

There is no fast and easy way to repair damaged credit that took months or years to occur. The law allows negative information to appear on an individual's credit record from 7 to 10 years. Now, many states have specific timeframes if you challenge a credit blemish.
The first step is to check your existing credit record. Anyone can obtain copies of their own credit report free of charge if they have been turned down for credit recently. 
 

Contact Information

Jack Thomas
Montana Legacy Real Estate
2013 Cromwell Dixon Lane Suite C
Helena, MT, 59601
Office: 406-431-0599
Cell: 406-431-0599
Fax: 800-496-5705
Lic. #: 15573
Disclosing property info PDF Print E-mail

Whose obligation is it to disclose pertinent information about a Helena area property?

In most states, it is the seller, but obligations to disclose information about a property vary.
Under the strictest laws, you and your agent are required to disclose all facts materially affecting the value or desirability of the property which are known or accessible only to you.
This might include: homeowners association dues; whether or not work done on the house meets local building codes and permits requirements; the presence of any neighborhood nuisances or noises which a prospective buyer might not notice, such as a dog that barks every night or poor TV reception; any death within three years on the property; and any restrictions on the use of the property, such as zoning ordinances or association rules.



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