 My sister used my credit card without permission. Over 15,000. She is making monthly payments.? |
| If I report the unauthorized charges to Chase what will they do to her? She is making the monthly payment, and plans to pay it all off. Will Chase still press charges against her if she is willing to ... |
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 Had anyone hear of this loan company? |
| Hi,has anyone heard of a loan company called walker hammond,i applies for a loan from them but they said i had been accepted but needed a fee of £39.99....can anyone give me anysort of advise of ... |
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 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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 Is having 5-6 credit cards bad for your credit score? |
| I heard that having too many credit cards was bad for your credit. If I have 4 Store Credit Cards and 1 Visa Card and am planning to get another FINAL major credit card...is that too much?... |
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 Is it a wise decision to use student loans to pay off credit cards? |
| I have no undergraduate loans at all and want to pay off my credit cards instead. I hope to pay off the student loans I use to pay off my credit cards before I graduate since I know I won't be ... |
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 Can I get credit card in a small town of Karnataka? |
| I wanted to have a credit card to set up an online business. But being in a small town place, I found out that it is not possible to have a credit card. Can I get one? If no, then can I have credit ... |
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 Payday and no pay? |
| payday today but not got paid...work for private company and have young child and bills to pay direct debits due to come out my account today but no money in bank to pay them....dont have my payslip ... |
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 What happens if you lose your job when you have applied for a credit card? |
| i have applied for a credit card and i told them that i had just been hired. i was there 2 weeks and they ended my contract. do i have to tell them i am now earning less and can i still use the ... |
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 I have no credit!? |
| I have no credit at all! I have been applying for credit cards to try and build my credit up but none of them is giving me a chance. I would really like some credit! I couldn't even switch to a ... |
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 Could some please explain a little about establishing good credit? |
| I really don't understand credit scores --- I don't have a credit card or anything -- could some please explain a little about establishing good credit -- what's a good credit score ... |
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 Regarding credit cards and credit scores? |
| I have no credit and no job. I keep getting these "pre-approved" cards in the mail. I want to build credit so this is my strategy. Buy three cards A,B,C card A I buy 700 bucks is consumer ... |
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 What is a good website to get a payday loan? |
| I try to apply for one but it keep sending me to other loan pages.... |
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 I've got $60,000, what to do? |
| I've got $60,000~, I'm a sophmore in college, but not interested in academics at all and would like to pursue other interests. Is there something I could do with that $$$? Finance my own ... |
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 Question about credit card debt? |
Like many Americans these days I am having trouble paying my credit card debt.
The balance is $8,000 and I am having trouble making the monthly payments.
What is the best course ... |
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 Credit Card Advice? |
I'm 18 years old and beginning as a freshman in college in the fall..
Is there anyone out there that could recommend a hassle free good first credit card.
I just want to start ... |
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 Does it hurt my credit score to pay on my credit card more that 1 time every month? |
| I try to keep a zero balance. So, when I make a charge I pay it online usually the next day. Is this bad? Should I wait until the end of the month? --Thank You!... |
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Clint C | How good of a credit score do you have to have to by a home?? |
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Chane
|
It depends on how you want to buy the home. There are too many different ways to go about buying a home to answer that question effectively. |
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mazziatplay
|
That depends on how much money you have to put down and the specific loan product you want.
Generally speaking, the higher the score the more options you have.
If I had to state a minimum I'd say you hae a chance with a 620. |
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Zero1
 |
zero. I know a man who bought his first home on his 18th birthday. He had no credit and, in case you're wondering how he did this, his family was anything but wealthy.
He bought with no money down and used creative financing to secure the property. No banks. No mortgage company. And, again, no money down. He simply made the monthly payments.
As soon as he signed the contract on his first property he began building his credit. He shared this strategy with me years ago and I followed it so I can attest that it works. If you're interested in building your line of credit get in touch with me.
If you are interested in a legal way to progressively reduce your entire tax burden you'll know where to find me. |
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Michele F
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That guy said his friend simply made the monthly payments...to who??? He said No mortgage company, no bank ect.??? I'm just curious as I'd like to do that myself. Hmmm...
I know the worse off your credit is the higher interest rate is and the better off it is the lower the interest rate is. My friend is a mortgage broker and says good is about 620 or higher.
My brother also bought his first condo at 21. He never had a checking account or any credit cards.
I would say if you have no credit, start simple. Get a credit card, buy stuff on it and pay it to build your credit. Just remember, too much credit is a bad thing too. They look at your debt to income ratio which makes a huge difference. If you have a bunch of open credit cards they look at that neg too because once they give you a loan what if you rack up all your cc's and can't pay for your house.
Good luck! |
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JB
 |
You don't have to have any credit score. Get yourself a "manual underwritten loan". |
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John H
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Go to a Credit Union for the best rates. Usuall 625 and up will qualify someone for a loan. |
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Doc Holliday
 |
I'm not sure what your situation is, but if you have no credit or "too little" credit (instead of bad credit), but have paid your bills on time for a year, you can qualify for a prime mortgage using PRBC, a new alternative credit bureau.
You can enter basic account info of bills you've paid on their website - http://prbc.com/consumers/how/mortgage.php - and when you're ready to apply for a mortgage, you order a "verification." PRBC's independent partners will actually call your landlord, electric, phone, cable companies etc. to verify you've made payments on time, and how long you've paid.
Fannie Mae and Freddie Mac accept PRBC Reports under their guidelines for buying mortgage loans. If you've paid rent and 3 other bills on time for a year, you can get a prime mortgage using your PRBC file. It costs one-time fees of $20 to verify a rent account, $15 for other bills. But you make that back in the first month when you use this info to qualify for a better rate.
A 6% vs. 7% interest rate on a $200K 30 year loan is a difference of $131 PER MONTH! |
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☼ Jamie ☼
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If you go the traditional route, usually somewhere around 700 is good. |
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Steve P
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"to buy a home" |
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