 How bad does your credit rating have to be before u are refused credit? |
| havent got any ccj's or anything but have had one or two late payments this year. how much can these effect ur credit score.... |
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 Why do so many people keep going into credit card debt? |
Question? What makes people keep using them when they see the destruction it is causing?
Many people, mostly younger folks and women, have so many credit cards they end up in severe debt ... |
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 Buying a home? |
| I was wondering if there is anyway to get a mortgage based solely on cedit score and not have to provide employment info?? (Wouldn't mind if rate might be higher) THANKS!!... |
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 How do I get my credit cards to lower their interest rates? |
| my APR is anywhere between 23 & 28%. Very high!! But, I pay all my bills on time and always pay more than the minimum... is it because I have more debt than capital? Is there a plan where I ... |
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 Paid online surveys? |
| Does anyone know any good sites were I can actually get paid for doing surveys?... |
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 Is it possible to use a Debit card in place of a Credit Card? |
I want sign up for officelive.com but don't have a credit card. Can I use a Debit Card... would it work?
What about other transactions on websites?? I wish we could use debit cards ... |
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 Bad credit score! how do i get it back up? |
| My credit score is very very very low. How do i get it back up? Should i file for bankruptcy? I have alot of credit card bills, hospital bills, child support, repo and a few other things. If you ... |
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 How Do I Repair Credit After 7 Years of Delinquency? How Long Does It Take? |
| I asked the question as part of my previous one, but I'm hoping ot get more responses please.... |
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| Can provident loans take me to court? |
| I had a provident loan of £400 (with interest it was around £600) I paid it for a bit now stopped it as I cant afford it. Its been over 2 years now and they are demanding the £450.00 left or take ... |
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 My sister used my credit card? What can I do? |
She owes about $15,000 and doesn't want to pay it. Is there anything I can do for her to pay it? Can I get the debt on her name?
I don't want to press charges because she is my sister ... |
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 Prepaid credit cards? |
| I am 17 years old. I want to buy things online but my parents would allow me to get a credit card. Is there such a thing as a prepaid card? Where I pay money and that money goes into the card. Is ... |
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 Help me understand mortgage refinancing? |
| We have about $30k in equity on our home, and currently have a 30 yr fixed at 6.9%. I'm not sure if refinancing will help or hurt us. My student loans are at 7.22, but I only owe another $3500,... |
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 How do I get out of a 3 yr contract with Ballys after 5 months without moving or medical reasons? |
| I only wanted to use their trainer but i was told to sign a 3 yr contract to do so. I was told I can cancel within 30 days but then I was told it was too late. When I called, they said then told me ... |
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 How do i rebuild my credit? |
| I am trying to rebuild my credit and i cant even get a loan.. i posted on here but something happend.. somone told me to email this guy that gives out loeans but i dont know if i should do it.. i ... |
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 How can I rebuild my credit? |
| I have a couple of credit card charge offs. How can I start to rebuild my credit? should I make a settlement on those credit cards, or should I pay off the entire balance? How will each affect my ... |
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 Is a pre paid credit card a real credit card? |
i keep seeing offers for them and i wanted to know if its like a regular credit card except u can add $
i am planning a trip and need to rent a car and i know most rental places only takes ... |
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kimmy | Finding a home loan when my credit is bad, where can I turn??? |
My credit is bad because last year my husband became ill with liver cancer. We have been trying to get back on our feet. we can afford a mortgage but no one will give us one because of our credit. The house we are living in was damaged by a flood. we live in the state of Kansas.
Does anyone know of a legal lending company that would be willing to help? we are trying to get a loan for $55,000. for the house we found. |
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Gary H
|
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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aleish
 |
Here are the list of lenders tat provides bad credit home loans to people with bad credit.
http://www.badcreditresources.com/bad-credit-mortgage-loans.html |
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Very c
|
Home loans are now available to many people for whom they would have been out of the question just a few years ago. You’d be in much better shape to bargain for better interest rates if you had a more impressive credit history, but if the house you want is the deal you<!--believe it to be, a bad credit home loan can still work to your advantage.Your best bet in assuming a bad credit home loan is to pay as much cash up front as possible, and see if by doing so you can negotiate a lower interest rate.
http://badcredits.awardspace.com/homeloans.htm
You’ll save enough money over the term of the loan to compensate for the sacrifices you had to make in handing over the down payment.
The bad credit home loan can be a win-win proposition for both lenders and borrowers; the lenders, thanks to the higher-->interest rates, get bigger returns on the money loaned, and the borrowers get a homes in which to build equity, and chances to restore their credit records so that the first bad credit home loans they take will also be the last! |
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mouses1
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General Finance. |
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SCH
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FHA is a government program designed to help people with questionable credit get back on their feet. You are required to put 3% down on the house, but FHA allows up to 6% cash across the table from the seller to the buyer, and unlike conventional mortgages the down payment can come from anywhere (it can come from your church, employer, mom and dad, but with conventional it must come from you).
It will be very difficult right now to get a mortgage with bad credit. The mortgage industry is in turmoil due to a record number of foreclosures. This is mostly due to mortgage companies lending to consumers with questionable abliltiy to pay.
http://www.fha.gov/ |
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sa_183327
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Go to E-Loan or Lending Tree and apply there. Go to your local Credit Union. A regular home town bank is not going to give you a loan. They are too small and won't take the risk.
If not go to google and look up Mortgage for Bad Credit.
Don't let anyone sell you a mortgage with variable rates or interest first.
You want a FIXED Rate, Fixed Term mortgage and that's it.
Mortgages are secured by the real estate. Someone will give you a loan because if you default they will take your house and get their money back. |
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Seehaze J
 |
There are programs available through most lending institutions but it might be better to just rent until you have cleared up your bad credit. |
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Block B
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Hi,
Checkout http://homefunding.consumerplanet.info for finding low interest housing loans to suit your budget and own a dream home. Good luck! |
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princepostage
 |
I think the best source of information are your friends and government community groups designed to help people in difficult circumstances.
You can also search for mortgage brokers who deal in the bad credit arena. I know that in Australia there is a website http://www.badcreditmortgage.com.au that provides information and advice for people looking for a bad credit mortgage.
I'm sure there are similar services available in Australia |
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Bob D
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I don't have any good news. Esp in today's lending climate it would be tough to get a loan. 55K is a small loan by real estate standards. And credit score is very important. You income is also very important and the amount of money you have that is saved (reserves).
Best of luck. |
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spiritwalker
 |
I have a freind who may be able to help. His company works with low cedit scores, and they have been in business over 25 years. If you would like I can give you his e-mail address. |
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