 Did they just ruin my credit rating? |
I only had a credit card for about two months. I've been using it very responisibly, trying to build a good credit score.
Two weeks ago, I went out and bought a new used car, with my ... |
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 Question about ordering online? |
| i was just wondering how safe it is to order online. i'm kind of paranoid about giving my personal info such as credit cards and what not , are there any other ways i can do this? unfortunately ... |
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 Would canceling my credit card be wise if....? |
| I still have a balance on it. I've learned the hard way that credit cards aren't very nice. I want to pay it off as soon as I can but would canceling them now before the balance is paid off ... |
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 How can I...(credit card/debit card question) |
| How can I resive instant payments on my debit card, for someone else credit or debit card for my online bizz without pay pal?... |
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| Morrisons Receipt...? |
| Hi I stayed at a hotel last night, and I accidently left a till receipt in the hotel room & checked out. The room wasnt booked in my name. The receipt had my card number as I made some ... |
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 Why do people charge up more credit card debit than they can pay? |
Not people who get in a bind and have to use credit to survive for a while, but people who just buy material stuff that they really don't need.
Additional Details
I don't do ... |
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 Does credit denial cause your score to drop? |
| I was needing to know if you apply for a credit card and you're denined, does that make your credit score drop. And if it does how many points will it drop?... |
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| Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card.... |
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| My business is still in the growth stage but we have racked up debt close to $50000 that is sitting on my personal credit cards. Should I transfer that debt to a large credit line under my company ... |
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 What might this do to my credit score? |
| I have a card that is paid off and compared to my other cards, it's limit pales in comparison. I want to close it. However it is one of two oldest accounts. The oldest account has a limit 4X ... |
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 Discover Credit Card? |
What are some of the benefits of having a Discover card?
Anyone have any experience having one?
PROS/ CONS?
... |
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 Credit Report Question? |
How long does the following information needs to stay on the report?
* Accounts that are paid for as agreed
* Charge off ... |
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 How old do you have to be to have a credit card? |
the title is self explanatory
Additional Details
can my mom get me one?... |
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 Visa Mastercard....or any credit card? |
If I buy some shoes and they dont accept paypal but only major credit cards.......where will the payment be deposited??
Will it be deposited into their checking account or something?... |
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 Credit Card Fraud question.? |
| My child's father used our son's soc sec number to get a credit card. Who should I tell & what will happen to my son's father?... |
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| I know it will stay on your credit report as a paid collection, but does it help any??? Your score??... |
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 Should I transfer my college debt to 0% credit cards? |
| My wife has about $28000 in school loans. Should I transfer this to credit cards, two in her name and two in mine, with 0% interest and keep flipping credit cards every year to maintain the 0%?... |
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Don R | Credit score of 644, is it ok to get a mortgage? |
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Mortgage Dog
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To be Honest, In this market with all the Guideline changes it is a middle of the road score. That does not mean that you will not get a mortgage just that there may be restrictions to how much you can borrower. Then best thing you can do is get pre qualified by your bank.
Good Luck. |
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The Grit
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Your credit score isn't the only thing they look at. Mine is in the mid 700s, but I still have high balances on two of my credit lines/cards. I probably could get a mortgage right now, but I may not get a very good rate or term. In fact, I tried to get a loan a few months ago to consolidate my debt, and I was rejected.
Look into your credit report and find out what else you can do to improve your score and your credit itself. It's best to do a lot of research before jumping in. |
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peppylynn393
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Absolutely Don. But there are other things that a lender will look at such as income, how much other debt that you have and job history. What you might want to do is call a good loan officer and have them see what they can do for you. It can't hurt and even if they cannot, a good one can tell you what to do to get one the right path.
I work in the mortgage industry but on the title end so I do not do loans. I know of some honest loan officers who I would trust my own loans to. I don't want to list his name online but if you would like a referral, shoot me an email.
Stephanie |
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mphsblue
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You have a score with each of the 'Big 3' credit bureaus. If your median score (middle score) is 620 or higher, go for it! If not, there are many ways to get your score up. You can find out more in my forum at www.creditjusticeservices.com/cjsforum/
Good luck! |
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Guess Who
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They will tack on loads of points, that is for sure. |
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galdesigns
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Yes, you can get a mortgage loan with a mid score of 630 and above. My advice...
1. Ensure that you can consistently pay your mortgage at the end of each month. Defaulting on a mortgage will ruin your credit for a long time.
2. When you calculate your mortgage include insurance, taxes, HOA fees, etc to make sure you can cover the entire mortgage.
3. Make sure you save some money for a rainy day. Any homeowner will tell that ....things come up.
We offer mortgage loan quotes, if you are interested.
According to FICO rates, a credit score of 620 - 659 should get you a rate of approximately 7.2%.
Best of luck. |
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Nichole77
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Yeah! That's a good score. You shouldn't have any problems. |
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