 I want to clean up my credit report..Any suggestions??? |
| Someone told me that you can go online and dispute everything on it to clean it up..Does anyone know how to do it...Or a link on how to do it would be helpful..Thank you.... |
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 Can I negotiate with my credit card company? |
| I have a credit card with around a $50 annual fee and a $6 monthly servicing fee due to bad credit history. I obtained the card about 2 years ago. I've made all payments on time and always ... |
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 First time home buyer, credit score average is 500 who will help?? |
| I have a credit score of average 500. I have a lot of debt. I'm trying to clear them now. I want to purchase a home as soon as possible but can't figure any way to do it with out being ... |
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 Ever been let down and left in debt by 1 of your own family.? |
| I signed a contract about 5 years ago for someone and they didn't pay what I thought was 1 bill so I gave my daughter the money and she paid it on her card. I only found out last week there is ... |
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 Will transfering credit card balances to a new CC with a lower APR be bad for my FICO score? |
Is this practice equivalent to "debt consolidation" when it comes to credit reports?
Thanks in advance.... |
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 How long does it take to get a credit card and pin after the application is approved.? |
| i applied for a card and the pin has been sent,i am going on holiday in some days time,just wondering if i will get it before i travel.... |
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 So I had an............? |
| overdraft with my bank and I never paid it and its been almost a year later and they sent me letters earlier in the year telling me it was going to collections and I cant find the letters now so how ... |
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 I have a credit card debt collection agency trying to take my 1993 Toyota to cover a small debt of $1,500? |
| I have no job and my only source of income is Social Security disability. I have 4 kids, too. Because of a credit card debt of about $1,500, a collection agency here in NJ is threatening to take my ... |
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 I been trying to get a car loan and they ran my credit too much? |
| i have about 50 inquires onmmy credit report and i heard u can get them removed,, how would i go about that, i also would like to raise my credit score i have about 4 cards how long would that take???... |
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 Knowing that bad debts on your credit report don't come off for 7 years..? |
| I have heard that collection agencies can renew you're debt to credit bureus so that, essentially, what should come off after 7 years can never come off if the agency continues to renew it ... |
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 I was pre- approved for tribute credit card? |
| is it possible i will recieved it. it was telling me in the letter how much i will get once i recieve the credit card. and once i get it i would have to send a $20 fee. my mom said its very possible ... |
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 Can someone recommend a debt consolidation agency to help me with my credit? |
| I have a dept of no more than $3K --- should I go to a debt consolidator? If so, please recommend one...... |
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 I have really bad credit and need a $7000 loan to pay my debts? |
| i am only on centerlinc payments about $840 a fortnight so ineed low repayments i only want australian loans ... |
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Sarah O | Can I get a morgage if i have just recently come out of bankruptcy? |
Recently free of personal bankrupcy in Feb 07 and would like to get a shared ownership morgage.... |
 |
 
VT
|
I suggest your being patient and building up your credit score in the next two years. We're in a buyer's housing market, so expect prices to drop. If you could buy now, chances are that you'd be "in the bucket" (owing more on the home than its market value) for years. Moreover, you'll pay a much higher interest rate given your low credit rating, costing you potentially tens of thousands of dollars in extra interest throughout the life of the loan.
I've seen cases of people having FICO scores in the low 500s (way below sub-prime, which is anything under 625) build their credit with good behavior and approach 700 - 720 (which is the upper end of average) in about two years.
You have to build good history in the next two years. Merely letting your BK "age" won't raise your score fast enough. Apply for a secured credit card, charge a small NECESSARY purchase every month (gasoline, groceries, a utility bill auto-paid through the credit card). Pay the balance off in full, every month, always on time, without a miss. Do this for 6 - 12 consecutive months, and then ask the creditor to waive the annual fee, refund your security deposit and interest, and convert the card to unsecured.
Never have a balance that is more than 30% of your credit limit: you'll hurt your FICO credit score because your utilizate rate is too high. |
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sinead_cawley
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Yes you can though the rate of Interest will be crippling...If you even miss one payment they will be down on you like a ton of bricks...
I suggest you wait and save for a yr before approaching them for a loan... |
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Rachel
 |
You can, but you'll pay a very high interest rate. |
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Nancy
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I wouldn't think it an easy task but I am just guessing. |
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scboi23on24
 |
There are lenders who will give you a mortgage loan 1 day out of Bankruptcy.....
Here is just one example I found offline....
http://www.bridgemortgages.com/loan-programs.html
I would contact a local broker.
Keep in mind the interest will be a little high and you will have to pay the broker a fee, but it is easier to have the broker find you a out of BK loan versus you contacting a bunch of lenders to find out of they do it.
Good luck on that Loan. |
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sook y
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sure can |
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Squiddy
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Most will only after 2 months of the bankruptcy, but your intrest will be high. |
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june e
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Many people think that getting a mortgage to buy a home, refinance or to consolidate loans is impossible after they declare bankruptcy. Today many people have succeeded in getting a mortgage, immediately after their bankruptcy is discharged. There are various loan programs and lenders around that need little or no time once the bankruptcy is discharged. Use these tips to get back on your road to credit recovery and the mortgage services of your choice.
Start by making timely payments for things like your home and cars that were not paid off in the bankruptcy. If you can mange to pay a few credit items on time, your case will be bolstered. Next, try to restrict the quantum of other debts like credit cards or bank loans. Excessive debt will hamper your efforts to be eligible for a loan, especially revolving credit accounts like credit cards. The lenders will always consider your debt-to-income ratio to decide your capability of repaying a mortgage. |
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Cindy
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1 day out of bankruptcy if your credit score supports it. |
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If you have a BIG ENOUGH DOWN PAYMENT DEPOSIT you can do anything ! ! ! |
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