 Credit payments made on due date, charged a late fee due to time difference. Unfair. Suggestions for action? |
| How is it that people on the West Coast can be charged a late fee, even though their payment is paid on the DUE DATE, just because the credit card companies on the East Coast want their payment ... |
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 Is there a home loan that I can get with a bad credit history and still have very low down payments? |
Additional Details
I live in Florida right now and hope to stay here. My credit score is in it's 300s, so that's pretty bad. Can anyone help me?... |
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 Does Debit Card (check card) work online shopping? |
| I was wondering, if i put in my debit card (check card) number on billing info for online shopping, would that work?... |
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 I am getting garnished for an 11 year old debt, by a 3rd party debt collector.? |
| Is there a statute of limitation on debt? I am getting garnished by a 3rd party debt collector named "Unifund". I have heard of shady practices by this company. I thought this debt was an ... |
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 Does anyone know if there is a fake check scam going on? |
I got an email from someone that wants me to depoist a check into my account for 48,000 the check looks real but im not sure if it is a scam any advice
Additional Details
Here is the ... |
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 Im in incredible debt. What are the best solutions to resolving this Debt? |
| should i pay off a certain credit card first and move on to the next one? Should I pay the minimum payment on all of them until they are all paid off? Any help or solutions? Thank you.... |
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 Have a couple of items on my report for credit cards I never requested or received ...? |
| Do I need to contact the company to request a copy of my signature showing I applied for them? Will they provide this to me?... |
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 How do I open a bank account when I have limited forms of I.D. and bad credit history? |
I am hoping to start a degree course next week and need an account for my tuition fee. Help please?
Additional Details
I am a tenant - no utility bills. My mother married when I was five ... |
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 Credit Cards.? |
| How am I supposed to establish credit if every credit card I apply for denies me???... |
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 I have been told i have a credit score of 3 what does this mean? |
Additional Details
sorry i meant 300 i already have finance and mortgage and earn good money but i am trying to get another mortgage to rent out and the advisor said my score was 300 so ... |
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 Paypal question? |
| I have received payment for an item through paypal.The status for the payment says "unclaimed" and I am asked in the action section whether I want to "accept" or "refuse"... |
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 Will it be difficult to get a auto or home loan if I filed bankruptcy 9 years ago? |
| I had to file bankruptcy 9 years ago because of medical bills. It will be off of my credit in a year. Is a loan possible Or should I wait until it is removed from my credit report?... |
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 Can you live without Credit Cards? |
| My mother was planning a cruise with an old friend and had to pay in advance. She was going to pay with check but was told they required a credit card. She didn't own a credit card so went to ... |
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 What should i do to avoid foreclosure? |
| my wife lost her job and we barely making the payments on all my bills especially my mortgage its only five years old no equity ... |
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 What's a credit score that will allow you to buy a home? How long does it take to get to that # if u started 0 |
| I just started using a credit card and I understand 20-50% of your credit line should be the maximum amount of money you should actually use. I was hoping to purchase a home as soon as possible ... |
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| Fraud question? |
If someone is running a busniess and claiming benefits, what kind of fraud is that?
This is for homework for my daughter and I haven't got a clue.
T... |
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twobearcatz | How good is a 760 FICO credit score? |
Considering some credit card debt, and two mortgages? |
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BillK
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It's good. But Credit History is much more important than credit score. Often, the lack of credit history is equated with bad credit. You should be aware that lenders will go through your credit report once you apply for a loan. Therefore you should also polish your credit report. To establish a good history , I suggest getting a $3000-$4000 loan and paying it off in full in 5-6 months. You might pay $200-$300 of interest but you will save thousands of dollars in your home mortgage and interest rates.
Also checkout http://www.howtoestablishgoodcredit.com/Credit_Articles/index.php
There are lots of articles there, related to your question, which you can find useful to boost your credit. |
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Faye H
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300-549: Extremely difficult to find any lender that will offer you credit.
550-619: You may be able to find credit, but very high interest rates and fees will likely apply.
620-679: You should be able to obtain credit, but you will probably be offered a higher interest rate.
680-749: You should have no problem getting credit and you will receive good interest rates and repayment terms.
750-850: Lenders are happy to offer you credit and provide you with their best rates and terms. |
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citronge69
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its real good to refinance with and combine your two mortgages into one. |
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VT
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To put a FICO 760 in perspective, only 13% of the credit-using population has a score of 800 or better. From everything I've read, 760 is not only significantly above average (673-720), but it will entitle you to the best (lowest) mortgage rates.
When making a decision, many mortgage lenders will use the average of your 3 FICO scores (one for each of the 3 CRAs), and other mortgage lenders will use the one that is in the middle, called the median score. Before signing that loan application, know what the lender's policy is, and know your 3 FICO scores. Point: I've seen many cases where a person 3 scores vary in a range of 60 or more points, because each CRA carries different information.
Please vote: did this help? |
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Shirrwood
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OOO 760 FICO is beautiful!!! You are smart credit user!
If you are interested in credit requirement:
0-0 No credit
350-619 Bad credit
620-659 Fair/Average credit
660-749 Good credit
750-860 Excellent credit
Your aim is to keep you credit score and pay your bills on time! |
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Nina
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It's a great score. And banks will definitely be generous with you. And it's a great score to use to get your rates lowered and pay less on your debt.
Like someone else said before here: a great score to refinance! |
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Mariposa
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It's great. You should qualify for prime rates on new loans and credit cards. |
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Texas Girl
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760 is an awesome credit score! The national average is somewhere between 670-680. |
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iceman
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Excellent. Anything over 700 is very good in this day and age of credit abuse.
Remember that debt does not lower your credit score unless you are pushing your card limits. In fact, holding debt and managing it well is how you get a good score in the first place. Alot of people think they have low scores simply because they have credit card debt. But more then likely its because they have not payed on time or have gone over their limit on several occasions. |
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