 Will it affect my credit score if the mortgage is paid late? |
| SOMEONE TOLD ME IT DOESNT AFFECT IT UNLESS IT IS 31 DAYS PAST. SOMEONE TOLD ME IT AFFECTS EVEN IF ITS 1 DAY PAST.... |
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 This might seem like a daft question,but i get really annoyed because as soon as im late paying my credit? |
| card,i have the bank phoning me,even at 10 am on a sunday,its so frustrating,does anyone else get that problem?... |
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 How much will banks typically loan out to someone with no credit? |
| I just turned 18 and I want to build my credit. I have decided that taking out a loan would be the best way to do this. If you have other suggestions, go ahead and try to change my mind! =)... |
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 I need help finding a loan to combine all my payday loans into 1 payment. I have bad credit please help me? |
| Recently I got involved in payday loans, now I just need help to get out of this trap. Do you know anyone who gives loans to people with bad credit. I have made an effort to make good on a lot of ... |
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 What is the difference between Bankruptcy and...? |
| With a (very) low credit score, no financial institution is willing to help me with a consolidation loan based on signature (I have no assets to use as collateral). After having lost my job and ... |
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 I have applied for 2 different credit cards and they both turned me down. do you know why this is? |
Thank you for your recent application for Blue from American Express. After reviewing your request, regrettably, we are unable to open an account for you at this time for the following reason(s):
... |
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 What happens when you get a positive balance in a credit card? |
| So i bought this item online. And that was sometime ago. now the balance for the credit card that i used is 0. What happens if i get a refound sent to that credit card?? ? ? ;-)... |
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 I got a call from a collection agency, should I call them back? |
| They left a robo message with their phone number. I'm pretty sure it's about an old student loan, what should I do??... |
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 The collection agency called my son and when he asked for an address to write them, they refused.? |
| My son wanted to mailed the collection agency a settlement offer and the company said they can't give out the address without a verbal agreement to pay the debt. They wanted an electronic ... |
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 Credit repair? United Credit Association? |
| Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me ... |
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 Can I use SBI DEBIT CARD for online payment in india? |
| means can I buy anything like watch, t-shirt, jeans etc. online using sbi debit ... |
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 My boss ran my credit without my permission? |
| I just found out that my current boss ran my credit report without my permission after I specifically told him not to. They lied to me to get my SSN and then ran it. My credit score is not good to ... |
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 Free Credit Report Not Free-Stay away and check credit cards!!!? |
| Just found out my Discover card has been charged 25 a month for FOUR years because I used Free Credit Report.com. Seems I was automatically enrolled through CIC. I knew about a 10 dollar a month ... |
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 Credit card debt question options? |
| I have maxed one of my credit cards ($2000). I work full time so I can pay it back over time, but the thought of having that debt on my credit card scares me a little. The minimum payments are $25 ... |
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 Bad credit help!! experiences expertise please. process of a loan and is comfused!?!? |
| Hello fellow members, I am actually looking through this one company www.eastpointlending.com trying to get a personal loan and I have been working with one of the consultant. I have gone over the ... |
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| Credit Cards? |
| I owe two credit cards and they are about 1400 each there is one that charges more interest than the other one. So my question should I pay them equally or pay more money to the one that has the ... |
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 Will this fix my credit? |
| I am 19 years old and just recently checked my credit score. I have nothing on it except one colection agency balance. It is a balance I owe from 6/1/2004 for $125. My credit score is very low 568. W... |
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 I want to get a mortgage but been refused as i dont have credit? |
| i would like to get a mortgage but i have been refused due to bad credit - i have 1 default thats it! my problem is im trying to build a credit rating for myself as i dont have 1 im only 19! are ... |
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 Where on the back of my credit card do I sign? |
| I just got my new Visa credit card in the mail...and I'm wondering if I have to sign the back of it or anything since in part of my mail it says "sign the back of credit card to verify"... |
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Snowflake | Can I get financing to buy a house without having a job? |
My husband has a full time job in the military but we need the home loan for to go on my credit because his credit is taken up. I am a stay at home mom without a job. |
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Wisdom Troll
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Yes you can. No doc loans don't require any documentation. |
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born again
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You can't get a loan because you don't work. What you should of done when paying bills sign your name on the check and make sure the payments are made on time, never late and it will help you get good credit.
My mom was a stay at mom. My dad worked. When he got his pay check , he would give it to her. everything was in his name and nothing in hers. She made sure everything was paid on time never a day late. By doing that my mom created a AAA credit record for my dad, only if she had gotten some in her name. .Since she handled the money she could have but she didn't because she wasn't thinking about herself. And what would happen if she was left alone. |
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Brandon T
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Since you'd be the primary buyer, I doubt you'd be able to get the loan. You're gonna have to lighten up your husbands credit to get this loan or else you might get it with a really high interest rate. It probably wouldn't even help if you got a part time job because your debt to imcome ratio wouldn't be very good. |
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FARRAH
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No!! less you are 55 years or older.
You WILL be able to purchase a home, but not the old fashioned way.....there are programs specifically for veterans...choose that route. Nothing you can do at this moment in terms of income. You have to have a "stable" job history , a "source" of income, "established" credit history etc....
Maybe your parents/in laws can purchase the home for you?? then leave it for you in their will...
just a thought! |
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Dr Universe
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you should contact the Fanny May foundation they can help you. |
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kurtbiewald
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nope
if you actually need money they won't loan it to you
if you don't need any then yes
thats how it works |
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Sam
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It depends on your credit score, how much money you are willing to put as "down payment" and also the lender. You will not know until you contact a few lenders and see for yourself. |
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jenntonic
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If you have a large enough down payment, I'd think it'd be possible.
When ALL factors don't come into play, the mortgage broker will try to find the right COMBINATION of factors. In the perfect world, your husband would have the job making enough to cover the mortgage, with perfect credit, right? What if he made $500K with NO credit, and he had enough money saved to put 50% down? Would it matter what your income/credit looked like? Come on, with an income of $500K and 50% down? I highly doubt it. If anything, they'd tell him to open up a little unsecured credit card or something, give it 6 months and then reapply.
You need to talk to a professional who will find the right combination for you. Where there's a will there's a way! And they will find a way for you to get into a house. Just don't be shocked if you're paying higher interest because you're lacking somewhere. |
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