Recently I have heard (all too often actually), “I have bad credit.” When I mentioned this recently to a loan officer, here is what she said, in so many words. Credit does not stand still. Just as good credit can worsen, so can poor credit improve. Furthermore, it improves as soon as the consumer pays something on time. Obviously, how quickly credit scores improve are a matter of how long and how deep the negative credit lasted. However, according to loan officers, potential home buyers should not be deterred by THEIR own knowledge of their credit. Credit can improve, and many loan programs exist to help many kinds of consumers purchase a home. At worst, in pursuing the course of action — seeking a loan, the potential buyer will learn just what he or she needs to do in order to become credit-ready. In sum, let the experts guide you the potential home buyer. Seek to achieve your goal, but understand that even great athletes and musicians and artists did not go it alone. They too were coached and advised. You the home buyer owe yourself the spirited chance to achieve your goal.