 What is a bad credit? |
| i know someone that went to a hospital and got a big bill .. and he decided that he wouldnt pay it...he says it will be bad credit..what is that really..and can health care have bad credit?... |
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 Looking for a credit card recomendation? |
| When I turned 20 I signed up for a credit card (after lots of research). I got one with a $1,000 limit, and 15% APR, which has since dropped greatly. I paid for my college textbooks with it to the ... |
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 I was approved for a loan with akwbi492c.com and i cant seem to locate them can you please help me? |
| the loan was processed through my email and the processing fee was debited from my account and i never receive the loan. the name of the website is approvalswithbadcredit@akwbi492c.... |
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 What earns a higher credit score making the minimum or full payment on credit cards? |
I would like to know which method will result in higher credit score I have heard many different opinions.
1) Make minimum payment
2) Full payment
3) Pay the minimum payment ... |
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 Can I use a debit card just as easily as a credit card to pay online for things from other countries? |
| overseas websites I am interested in always say visa credit card and dont mention debit card.I assume a debit card is virtually the same in that they know they will receive payment ?... |
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 When a parent dies in your family and they have left some bills like credit cards is the family responsible? |
| Can those bills then be put on your credit record from the deceased family member? Can the family lose what they have due to what the relative left behind? What if they don't have the money to ... |
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 I just turned 18, I want to get a credit card to start building credit in the US. What is my best choice? |
| Just wondering whats a good CC for an 18 year old. I plan to be a full time college student with part time job.... |
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 Missing Credit Card payment? |
My credit card payment is due on 24th March however I don't get paid until the 28th. I will pay it off in full when I do get paid but until then I can't pay a penny.
Will this ... |
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 Is there anyone out there who has alot of money and would be willing to loan or give $15,000.00 to help.? |
| i am a overweight woman who is desperately trying to recieve the lapband surgery that i believe will ultimately save my life. however i keep hitting a wall. insurance wont cover it and due to ... |
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 Question about credit cards.? |
kay, so, im only fifteen, and my mom doesnt
speak english or anything and i always have to
do basically everything for her that has to deal with
finances, anything important really. ... |
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 What should i do? please help? |
So, my husband has a lying problem. I catch him lies concerning money alot. I am pregnant, have a 6 year old son with him and love him . He lost his job in March.
The other day i realized there ... |
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 I want to begin building up credit. How do I do it? |
| I am 22 years old and I want to start building credit. I have applied for credit cards at department stores and through mail applications and I have been turned down. How do I start building my ... |
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honestjoe | How long after bankruptcy can my credit be good enough to get an apartment or a loan for a home? |
My wife and I make enough money to afford an apartment or a modest house. However, both of our credit records are poor. So we were told to file bankruptcy. We just need to know how long we will have to wait to get an apartment, since they ALL require credit reports. |
 |
 
i-care
|
Hi! I recently got discharged as well. It isn't as bad as people make it sound. You can still get loans for vehicle and houses. Banks will loan you money because they know they will get it back, being you cannot file again for 6 years and therefore will be forced to pay. They also give a higher interest, cause they know you will probably take what you can get. It will stay on your credit report for 10 years. Even though some say 7, it's more like 9 yrs. 8 months. A good idea for a house is to get into one of those homeownership programs if available in your area. Most match you $1-$2 for every $1 you put in. Or I have heard that if you put 25% down on a house or a vehicle, you will get a loan with a decent interest rate. Don't think there isn't anyone out there that will take a chance on you. Just look for a company that specializes in bankruptcy. |
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lilpuppy6
 |
Apartments, it depends on the managing company, I know peopel who were approved for apt 30 dasy after discharge. They Aparmtnet management gave more importanc eto yoru income than anythign else. You just haev to start callign around "before" you file bankruptcy, so atl least you know where yo uwill be moving to afterwards. Godo luck.
BONUS:
"Rent to own", or "Lease to purchase", or "land contract" houses can be had 1 day after discharge, because they don't use credit as a criteria for ownership. Local newspaper always have these advertised, or check around with local real estate agents.
Its a way to get into a home asap, while you take your time "fixing" your credit. Good luck.
FYI..Bankruptcy is NOT the end of the world, it's NOT as bad as people make it out to seem..there are some things you should NOT do right after Banktruptcy (apply like crazy for new credit) but all in all you will be fine. |
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Curiously
 |
It used to be 7 years but nowadays its much less... My mother declared bankruptcy about 5 years ago..and she gets credit card offers all the time and even got some already...and they started coming in about three years after she declared bankruptcy....and her FIFO score has been getting higher and higher is now at around 650 which isn't to bad with that on your record... |
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MI6
|
right away, some credit card companies start sending you offers within the first couple of months. go to www.adviceontime.com and read an article about credit. |
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big_cat_1999
 |
If you have not filed yet, don't do it. If you have, there are lenders who will look at you, your down payment would be at least 20-25% and the rate would not be real favorable. After two years you can apply for a FHA loan. FHA guidline is two years after discharge and reestablished credit or proof of solid credit history with all of the following, phone, cell phone, cable, electric, and or gas bill. Also pay your rent with checks so that can proove how well you have paid your rent. It's always better if you can rent from an apartment complex rather than individual. I am a mortgage banker since 1994 if you have questions e mail me at cstephens@wamc.com I lend nationally in all 50 states. |
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Erica B
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My mortgage guy told me companies won't even look at you until you're at least 3 years out from dicharge for a home loan. You might be able to nail down an apartment with a cosigner... |
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lovemy2babies
|
In Alabama its 2 years. Good luck!! I feel your pain. |
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spade_242
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About a domicile, I'm not sure. I do know you can't get a checking acct for like 7 yrs!!! eeeeekk don't do it, man. |
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heather kerr
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i was made bankrupt about 3 years ago can you tell me how long it is that i have to wait before it falls off |
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