While lending standards have increased, many Americans with poor or bad credit due to the recession are being denied the opportunity to capitalize on record low interest rates and rock bottom home prices. At Merchants, we have solved this problem by building a program designed to work with borrowers who have poor credit, fair credit, bad credit, slow credit, less than perfect credit or credit issues in general. This program, called BuyReady ™ starts with a full analysis of poor credit, fair credit, bad credit, slow credit, less than perfect credit or credit issues. Most poor credit, fair credit, bad credit, slow credit, less than perfect credit or credit issues can be dealt with in 30-120 days with more extreme cases taking 180 days. Don’t let your poor credit, fair credit, bad credit, slow credit, less than perfect credit or credit issues stop you from taking advantage of record low interest rates and rock bottom prices.