 Would you use a credit card for $1.74? |
A MAN I work with CONTINUIOUSLY uses a credit card for such things as pop and candy. He usually carries no cash on him at all. Won't the interest eat him alive ?
Additional Details
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 If i cosign for my parents to get a house, will it affect my credit? |
my parents are trying to buy a house...they already have one and cannot fully qualify for this other home...
they want to purchase this house and rent out the one that they live in now...<... |
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 URGENT HELP...I was scammed by bally, to signing a 3 yr contract. now i've stopped making payments....? |
| i don't own a credit card, but i have a checking account. Will my credit score be affected since i've deleberately closed my account and they can't get money from me again? i DON'T... |
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 How much will my credit score go down by applying for a new card? |
| I would prefer answers from people who work in the credit industry and can tell me roughly the number of points, and how long it will take for my score to recover once the new higher available credit ... |
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 Where is the Credit card number located on Visa Debit Card? |
| I am in the process of purchasing something on line for the very first time and I need to enter in the Credit card number but I don't know where it's located at.... |
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 Bailiffs may be given the right to break in2 homes for credit card debts?? do you think that is fair? |
| after all..it is the credit companies that cause this problem in the first place!too easy to get credit!!... |
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 I have a high monthly VISA bill. Is it a good idea to transfer the whole thing to Discover? |
| Discover appears to have a better interest rate, and probably a lower monthly payment. Is there any downside to doing this? With credit card companies, there always seems to be a downside...... |
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 What credit card can i get? |
| i turned 18 this month and applied for a discover card and they turned me down because i have no credit history. so what credit card can i get? i have no history and never had a job my parents said ... |
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 How can I create a website without giving my credit card number? ( $ for the monthly fees)? |
| I want to create a website but I dont want to give the credit card number, I am almost positive that it is not safe. Is there a website that I can just send a check or something? (For the monthly fee ... |
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 Debt collection letter? |
| A letter from a debt collection agency was sent to an address I havent lived at for 15 years saying i owe money, the people there I am related to but not got same name . Nothing has come to my ... |
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 What's the best Credit Card to get? |
I've never had a credit card before and don't really like the idea of them but I'm going travelling so it's really a necessity to have one, what's the best one to get?
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 Does paying off old past due credit on your report increase your score? |
| I made mistakes like most people do. I have some old bills on my credit report that are way past due. I unfortunately got buried and had to only pay my day to day living expenses instead of old bills.... |
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 What can I do to get creditors off my back? |
| I lost my business, now I have 3 different creditors on my back. one for nextel for like 350, one for target that's about 800 and one for a water cooler that's about $100. I told them I ... |
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 Can i take out a loan without any credit? |
| I'm 18 and want to take out a cosmetic surgery loan. but it says you need to have at least decent credit. can i still do it if i dont have any credit at all? like ive never had a credit card or ... |
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 Can somebody tell me a good way to settle my credit card debt without destroying my credit? ? |
| I recently lost my job and i can`t keep paying not even minimum balances. I have around $9.000 in debt and minimum balances add to almost $500 a month + i have the car payment with insurance $600 a ... |
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twokidsmom2004 | Anyone know of a mortgage lender who will loan to people with bad credit? |
I had cancer a few years ago and spent 2 years fighting to get SS Disability. Things are better financially now but my credit has some delinquent medical bills on it and my score is in the low 500's. I am working on improving my credit and will continue to do so. We would like to buy a home and understand the importance of a good credit score. Does anyone have any ideas on a lender that could possibly help us. Thank you so much!! :) |
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Gary H
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Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortgage.html |
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Cory Z
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it is POSSIBLE to get a loan witha score above 500. that doesn't mean you should. I recommend renting while you build up your credit other wise you will be paying interest rates well over 10%. Aim for a 620 which will get you in the prime lending area which will give you the best rates depending on your situation.. |
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malig
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Get valuable tips on mortgage from http://moneymentor.cashmatter.info . It's a very useful website. |
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KDW25
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Home Funds Direct - if they are in your area I would give them a call. |
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greatperez
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check this site.. http://badcreditresources.com .. thye have the list of lenders that provides loans for people with bad credit score |
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Dewey K
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I had a similar situation when my wife got sick and eventually died. I found an excellent web site who helped me get reestablished. www.1-800BadCredit.com helped me and I am sure they can help you also. They offer many credit services. Good Luck!! |
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Anthony
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Many lenders will try to help you, but some may get you into a high interest, high fee mortgage - the kind that is fueling the current foreclosure trends we are seeing.
I strongly recommend working on your credit issues first. Your money will go much farther, and you will have a lower house payment.
Here is a great resource to help you with that:
http://www.bankruptcymortgagebook.com/ |
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Mike B
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Check out 'prosper.com' easiest loan out there.... |
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Mountain Top
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OK - if you are willing to accept an interest rate of somewhere between 10.5 and 12 percent, yes, you can get a loan with a score as low as 520.
Try CountryWide. They are a big lender. Also Wells Fargo.
To do this, you will need at least a 10% downpayment, and a clear income stream, and further with a good debt to income ratio both before and after the mortgage.
Get a 5/1 arm, no prepayment penalty (or at least nothing more than 1 year), and bit the bullet.
If you keep your debts clean for a year, you will be able to re-finance down to the 8-9 range, and after another year, you will be a "prime" borrower" - someone above 660 again. |
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