 If I have a downpayment of 25000 and a credit score of 580 can I get a home loan? |
| Can I get a loan on a 100000 dollar house with a downpayment of 25%, a credit score of 580 and an annual income of 23000?... |
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 Can a credit card company have a debt collector take you to court? |
| I have a outstanding CC and I got a thing in the mail from Maryland and some law firm that says its an arbitration that says I have 30 days to respond or they will go to court without me. That they ... |
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 Should I consolidate my debt? |
| I own a small business. I am $75K in debt across 8 credit accounts. My credit score is 698 and my credit history has no faults (I do not have a history of late payments, etc.) This money though, is ... |
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 Have I done the right thing? |
| So I called GC services and the same guy I talked to and I had a more pleasant conversation. I agreed to pay $25 to promise that I would then pay $500. I got another loan, so I can pay it. He agreed ... |
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 Failed to get approval for credit card application!!WHY so difficult?? |
| I'm new in united states and have applied for credit card for 2 times few months ago and were rejected by banks. Is that because of no creditable record in united states so that i don't ... |
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 Can a collection agency garnish wages on a credit card debt less than $3000? |
| Since most consumers have an average credit card debt less than $3000 (for ONE credit card each), would a collection agency actually go through all this effort to garnish a debtor's paycheck ... |
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 My credit score is a 686 can i finance a car? |
| ok so heres the deal im 18 with virtually no credit..i have a macys card which i have had for over 3 months...i pay it in full every month and now im getting a capitol one in the mail sometime this ... |
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 How can an A/C PAYEE check be Encashed? |
Additional Details
I dont have an account or wish not to also...... |
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 How long does it take to receive a second credit card if you lost the first one? |
| I reported my card stolen yesterday (aug. 30th). They said they were going to send out another card. How long does it take to receive aa second card if you lost it. Im currently with Visa. And I live ... |
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 Im 19 and dont have credit yet and cant get aynone to cosign or dont have any money saved up and i need a loan |
for a vehicle ive tried banks and they dont wanna help. any advice?
Additional Details
for a vehicle, the truck i have now is falling apart and i have to drive an hour to get to my ... |
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 Copy credit card (front and back)? |
when I try to buy online he asked for fax a copy of my credit card (front and back) is this legal??? and he say If you cannot do this, then I will have to cancel your order.
T... |
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 IS it possible to buy a house? |
TO BUY A HOUSE WITH BAD CREDIT? I WANT TO BUY A HOUSE IM SOOO TIRED OF RENT ING BUT I HAVE BAD CREDIT. IS THERE ANY COMPANY THAT WILL HELP ME?
dont get me wrong im not a bad person i have a job ... |
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 Does disputing an unauthorized charge in your credit card affect your credit score? |
I heard from someone that disputing a credit card charge affect one's credit score score. Is this true?
Can you provide a website where I can get more information about this?... |
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 ****I just received my first credit card....now what? Two ?'s.****? |
How long do i wait until enough credit is established so i can lease a new or used car???? I havent used my card....i will this weekend.
Any tips? Links? Your experiences very helpful too.... |
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 Credit Card Trouble? |
| Hi, about 6 months ago I applied for my first credit card and got approved. I made payments on time and never went over the limit. After about 3 months they increased my credit limit. But all of a ... |
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 Will we lose our home? |
I have just found out my partner owes thousands in business loans,defaults and debts. They are all threatening action.
He is a sole trader and we have a joint mortgage on the house. We have ... |
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 Why Would a Cashier's Check Bounce? |
| I used $50.00 from my account to purchase a cashier's check and sent it to somone for a costume I purchased. I actually had $50.00 taken from my account and sent the check. A couple months later,... |
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 Please help. credit card debt: should i borrow or pay it off little by little.? |
| I often pay off my credit card bill every month. I've been struggling for the past 2 months b/c my income is low rt now since i don't work that many hours (student). I take care of my mom ... |
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rmcgeelsu | I'm trying to raise my score to buy a house, should I add my fiance' to all of my credit accounts? |
We will be buying our house together, she has a 750 credit score and i have a 650 credit score. Would it help to add her to my credit cards? Would it hurt her? I know they look at both people for a mortgage so any suggestions would help. We will probably have all CC debt paid off before we apply FYI... |
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bdancer222
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Absolutely do not add her to your accounts. That would bring her score down.
Paying off all the credit cards is the best thing you can do to improve your score quickly.
You may want to resolve any derogatory items on your credit report. Most mortgage companies will require you to settle them before approving you.
If you have single entry items like cell phone, utility, or medical bills, you should be able to negotiate a delete for pay settlement. This would help your score. Be sure to get the settlement agreement in writing and keep it, along with your payment proof, forever. Do not give the collection agency direct access to your bank account. |
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Doctor Deth
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could wind up hurting you if she goes nutso with her credit some day and can't or chooses not to pay her bills |
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DAS
 |
It could help you, but if your accounts were added to hers it would pull her scores down, and that would be bad. |
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lepr0kan
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Bad idea, it wouldn't help your score at all and would only damage hers since you'd be adding more debt under her name. Just pay down some of the debt and keep paying on time and your scores should improve. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate. Icame across this company on NBC News Special Edition.Check it out here:
http://shurl.net/5oX |
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creditsc0re
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They will determine your loan based on your scores if you MAKE MORE MONEY. |
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Ted
 |
You seem to be in good shape now. A credit report showing a lot of recent changes might actually look strange to a lender and cause problems. |
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candi h
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I would not add her to all of your accounts or any for that matter. I think you are okay with where you are but if you insist on increasing your score I would advise to only pay down your current credit card debt and not charge on those cards until after. This will increase and help maintain a good score. Plus you said you are going to pay it down anyway before you apply so you have time to do this. |
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Antionette Q
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No this is not a good idea. You have to have separate ones any way but you can purchase items together or open a joint bank account so that may up your scores. |
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