 Has anyone heard of or dealt with Eric Smith (eric_loan)001@yahoo.com? |
| I am thinking about applying for a loan from Eric Smith. He is asking for a non-collateral deposit of 2.1% of the principal loan amount and states that this is legal as stated in the Amended C... |
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 How do I protect my unborn child's credit from his irresponsible dad and grandad who have the same full name? |
| My husband John Smith II had his credit ruined by his father John Smith I. I am pregnant with a boy now and want to name him John Smith III but don't want the same thing to happen to my child. ... |
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 I need help in payday cash advance loan, plz? |
| I need some cash advance for emergency, somebody tells me a loan company that can lend me money like hundreds pounds??... |
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 BANK OF AMERICA check? |
my aunt in another state sent me a check in the mail for 1000 well....
i dont have a bank account and dont wanna start one quite yet, is there any other way to cash it?
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 Has anyone tried freecreditreport.com? |
| Just wondering if they are legit or if they will steal my personal info or sell it.... |
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 ARE there any real online lenders out there that give loans to people with poor credit? |
| Jeff Norerts? does anyone have anything on him? I got scammed once and i wont again but I need a loan immediately my life depends on it. If anyone can help me please do. If any of you scammers write ... |
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 Credit disputes question? |
I know this sound's bad, but can you dispute acounts on your credit if it's realy your bill, and if so what is the best way to do so?
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THIS IS TO THE ONE WHO&#... |
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| What credit card should I get? I just turned 18 & I'm in high school, but want to get some credit history... |
| I'm not sure what credit card I should get. I want to get some rewards like rebates on gas, but since I've never had a credit card before I would probably not get accepted (or not?). Does ... |
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 Credit cards? |
| anybody know any websites where i could apply for a credit card with a poor credit rating?... |
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 $1600 Credit Card Debt.... help please? |
Alright, so I've been bad with my credit since the beginning of my last relationship. Brainfart.
Anyways, so my credit is fairly bad and I really want to get myself out of debt but ... |
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 Getting paid? |
| If our company gets paid on the 15th and last of the month. When those days fall on a weekend we get paid that friday....so if new years eve is a holiday and falls on a monday do i get paid on the 28... |
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 If i leave the country with debts can i still be chased abroad. can i leave debts here and start fresh.? |
| I was left with debts when my business failed two years ago. my ex buisiness partner hasn't paid any of the debts but we're jointly and severably liable. I have the opportunity to leave ... |
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 I never had a credit card.? |
| I never had a credit card but I need to get one for emergency use only. Every time I apply for one I am denied. I dont think I have any credit history. Can someone tell me what site will approve me ... |
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 What credit card is the best for a first time credit card? |
| I'm am going to be applying for my first credit card. I will be working for a family member and I will be shipping stuff via fedex. I can use my bank card but I want to start building credit, ... |
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| Bankrupt! Need a debit card!? |
| I know a friend who was declared bankrupt 5 months ago, and he would really like a debit card for shopping online etc. Do u know of any banks that would issue one?? P.s not concerned about overdraft ... |
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 Why does PayPal require a Social Security # to receive more then $500 a month? |
| I love paypal for it's convieniance but why is it that they require a SS # to get your money out if it's more then $500 a month?... |
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christyrn | How do you correct bad credit? |
My boyfriend has horrible credit with a lot of past things he needs to pay off. Is there a type of credit counsler, or financial advisor that can help him get started? We want to start looking for a house, and I know he will not be able to get a loan. Thanks! |
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Super - Level 5
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There are many ways to repair a credit, but they all require a least a few months.
http://www.freewebs.com/infosource100 |
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jeff h
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if you have past credit issues with no activity for 24 months {some lenders go as recent as 12 months} ,my recommendation is, to not do anything with them until after you get your house.
One of the worst mistakes people make is, to contact old creditors with old balances,{things they have not paid on in a year or more} and begin to make payments thinking this will show they are making an effort,and it does.However many subprime mortgage lenders have guidelines that allow you to get a mortgage even with unpaid balances,and charge offs and even bankruptcy, if there has been no activity for two years{sometimes1yr!}. Some people make 2 $30.00 payments on a $3000.00 balance they have not paid on in 3 yrs.Then they find out they now, have to pay off the entire $3000.00 bal.for even, a subprime lender to give them a mortgage.If you have, new bills,that have reporting activity, in the last 2 yrs,make sure they are current. Leave the old ones alone until you have secured your loan,then contact them and begin cleaning up past debt.
While a subprime loan is always a higher cost and interest than an "A" paper loan, if you get a 2/24 year A.R.M from a subprime lender and make all of your new payments on time, in 2 years you can apply for a low interest 30 year fixed loan and ususally get it if you`ve kept your debt to income ratio low and your income and employment info has stayed relatively the same.
i recommend talking to a licensed mortgage broker about one of the following companies: countrwide, chase home loans b&c, option one mortgage or long beach mortgage.Brokers work with dozens and dozens of lenders as they all have different guidelines and niches they fill. |
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Michael A
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hello, if your fiance wants to get his credit fixed i can refer him to a great place which did an excellent job on mine. Frees credit restoration. this is their website, www.geocities.com/mikescreditrestoration... |
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Lianne
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There are credit couseling agencies and services and there is also the option to repair his credit himself by contacting his creditors and the crediting agencies. For a ton of info on credit see http://creditwisdom.blogspot.com |
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raisenet
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Sounds exciting to be looking for a new home!
Correcting bad credit though, can take some time...Hopefully you can make payments on your loans "on time." That is very important. Additionally you should make an attempt to Prequalify for a home loan. This works for your advantage. It pretty much tells you how much of a loan you can afford. Your debt to income ratio comes into play here. Its also a good idea to save for a down payment if at all possible.
Remember if you and your boyfriend sign the papers for the loan, then your both responsible. If the loan goes into default, regardless whose fault it is, then that would be a major blemish on both of your credit reports.
Good Luck! |
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JIVE TURKEY
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if he pays all his bills on time from now on he will gradually fix his credit. After 2 or 3 years of not falling behind and steady employment he should be fine. |
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gawgi@verizon.net
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You start with paying everything on time. It is possible to establish good credit without having to revisit every debt you have ever owed in your life. The credit industry understands that sometimes people change, but you have to prove it. Of course, some of that depends on what he needs to pay off. If there are any legal judgements, they most certainly have to be paid, or you will not get a mortgage. If it is a matter of an old phone or cable bill, it is possible to live that down without having to pay it off. Still, it can take some time.
Apart from paying current utility bills, etc. that are in his name on time, you could try to get a secured credit card (they charge you an upfront fee for the privilege of allowing you to charge things). You then be very sure to make those payments as soon as you get the bill - always pay more than the minimum balance and don't ever let it be late. Don't quite pay it off completely - the object is to prove that you can handle paying bills on time, not that you have the money to buy things.
Just be warned that it took some time and effort to get a bad credit rating and it will take a couple of years of being a good money manager to get a good credit rating back. |
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crimethinker1984
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You can correct bad credit only by counteracting it with time or good credit. Wait 7 years, or re-establish good credit. |
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Mariposa
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Be careful of credit counslers or the companies which claim to help your credit. You cannot legally change your true credit history. If the company pays the creditor late, it will have a negative effect. Your best bet is for your bf to work directly with the creditors and set up payment plans and ten stick to the plans. |
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David D
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I found some good info here. |
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