 If I could, what would be best to pay of first: Student Loans or Credit cards? |
| I owe about $10k in credit cards and about $50k in student loans. I feel I should ditch the credit card debt first since I can claim my studen loan interest on my taxes. What do you think?... |
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 What's the best way to find a new credit card? |
| We currently have one credit card, but the interest rate is ridiculous. I want to transfer the balance to a card with a lower interest rate. What's the best way to find a new card with lower ... |
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 How do credit cards work? |
| Do you not get charged finance charges if you pay the minimum monthly payment or do you have to pay it off fully every month?... |
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 Do medical bills stay on your credit if you do not pay them? |
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does it effect your credit or just stay on your ... |
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 Can I withdraw all money from credit card ? |
I would like to withdraw all money from my credit card, because i have to pay for something, but they do not accept debit/credit cards.
I don't mind to pay some charges/interests. I want to ... |
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 I have multiple accounts in collections that I'm paying on monthly.? |
| How long would it take if I start to double up on my payments for my credit score to rise?... |
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 Can a hospital bill ruin my credit If i dont pay it in full? |
| I don't have insurance, and I got a bill for $600 and then another for $200. I dont have that kind of money, I sent in $50. and when I get paid next I plan to send more. But will it be bad ... |
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 How do begin credit when you've never had credit before? |
| I mean to apply for a credit card you have to have previous credit...but if you've never had previous credit..how do u apply for a credit card and actually get one?... |
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 How many are too many credit cards? |
| I have 10 and my spouse has 13. Is this too many or not enough?... |
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 Even though I paid the debt, I can't open a checking account after being reported to check systems. Help me? |
| I had an overdraft that went unpaid and was reported to check systems. I paid the debt in full, but I'm still unable to open a new checking account with any bank. What can I do?... |
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 Does anyone know if you can go to jail if you dont pay your credit cards? |
| My uncle got a credit card and put me down as a second card holder.. Now I have to go to court.. What will happen if I dont show up?... |
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 Which banks give debit cards to under 16s? (a 14 yr old)? |
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to brittany.. dont you realise a debit card and a credit card are 2 different things. THANX.... |
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 What happens when you give your car back to the lender? |
| I've put like $3,000 into buying a truck, I tried to trade it in the other day and they said I had to make four more payments. I Found out that out of all the money I've given them I'... |
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 Is there any hidden fees in no payment no intrest ? |
im thinking about buying a tv at sears and and if i sign up for a credit card that grantees no payment no intrest for up to 12 months.
is there hiddin fees and would it be a bad idea?... |
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 How do I fix m y bad credit in order to get a credit card? |
| I was able to get two small cards and bought things and made payments but I cannot still get a major card. What do I do?... |
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 Increasing a credit score enough to buy a house.? |
| What is the average time it takes for a persons score to increase if they are paying all their bills on time and paying down installment loans and credit cards. How much should it increase in say 7 ... |
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USC MissingLink | How to shop for mortgages without dings on my credit? |
I want to shop for mortgages for a new house without them needing to run my credit every time since having my credit run negatively impacts my credit (why is that anyway?).
How should I go about shopping for mortgages to get the best rates, lowest fees and best overeall package? |
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twv706
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Your best bet is to go to a mortgage broker then. He can pull one credit report and find the best lender for your situation. Just be careful so you don't get ripped off on fees. |
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Diana H
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There are two type of credit inquiries. Hard inquiries which you authorize someone to look at your credit and soft inquiries which you didn't initiate like those annoying pre-approved credit offers. Soft inquiries don't hurt you. Hard inquiries usually wil not as well for something like a loan if clustered around a 30 to 60 day period b/c lenders know your shopping. All inquiries should be removed off you credit report as well if they are older than 2 years.
There are several mortgage comparison sites like http://mortgages.interest.com/index.asp. Usually good for comparing. Now a days, you may be able to also negotiate some of those fees as well. |
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sharon s
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Have your credit pulled by one company. Ask for a copy of your report. Then you may shop around by asking each potential creditor to make an offer based off of the credit report copy that you provide to them. Specifically ask them to NOT pull your credit again (they need your permission to do so). This should solve your problem. Any reputable mortgage lender can prequalify you based off of a third party credit report, although some will require that if you decide to go through with a loan through them, they must be able to pull their own credit report for their file. I believe that the major credit bureaus (Equifax, Transunion, and Experian) only deduct points from your credit score after 3 credit pulls within a 60 or 90 day period of time. |
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J - A
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Okay, first when shopping for a specific type fo credit you have (I believe) up to 14 inquiries that count towards your purchase, that mathmatically should only count as one, according to the bureaus. The credit bureaus use a software developed by the Fair Isaac corp. that mathmateically uses information about you to calculate your risk as a borrow. This software various slightly according to the specifications of each bureau who has purchased it. Anyhow, second, you can get a copy of your credit report from www.annualcreditreport.com for free, once annually, from all 3 bureaus. For a fee they will also give you your credit score. Typically lenders look at your "mid" score which is your middle credit score of the 3 scores. So if you hae 650, 675 and 700, they would base your rate partly off the 675 score. Third most important factor is going to be your debt to income ratio. You can figure that out yourself. Any mortgage broker or lender will want to pull your credit but it's not absolutely neccessary in order to determine if you and that lender will jive well together. Take in your info, talk with them first or just chat over the phone - see how you feel after talking with them and go with your gut. Know your scores, know your DTI, know you credit history, etc. and tell them you really don't want to run your credit yet and want go over your info. Believe me, if they don't want to give you time, there's about a 50 page section of mortgage brokers and lenders in any phone book. In other words - there's plenty of competition and someone who will be willing to speak with you on a preliminary basis. Just realize that they've got to believe that you are serious, knowlegeable and that there is beneift in the process for them as well, otherwise they won't want to spend much time wth you. Good luck! |
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Still reading
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When you're shopping for a lot of credit, it's assumed that you need money for more than a single purchase. It doesn't really hurt your credit to shop for a single type of credit for a single purchase. |
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bdgizzy
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Sorry too tell u this but there is no way around that unless u know some-one that can do a pre-approval on what u earn monthly. I know Bank of America used to offer something like that but don't know if they still do. |
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g_i_r_l_g_a_m_b_i_t
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a quick quote does not require a credit score. you can even do your own quote at www.nationwide.co.uk They don't charge a higher lending charge. |
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galdesigns
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You can shop for a mortgage loans without a credit check, you will need to indicate whether you believe your credit is poor, fair, good or excellent. Once you select a particular mortgage program, at that point, the lender will run a credit check with your explicit approval. |
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