 How do you get credit? |
| I.E. to buy a car, make a loan, etc.... |
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 Building credit with Credit Cards? |
| Do you need to pay late or skip a payment to build credit? I have been told that if you always pay your monthly bill on time and never let any interest get attached to your balance, you don't ... |
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 Stop paying credit card bills? |
Hi,
I recently visited a BK lawyer and he said just don't pay them any more.
I have several small balances.
Capital One 600
Providian 1000
Orchard Bank 300
Bank of A... |
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 Which is worse - real bad credit or filing bankruptcy? |
Additional Details
and why? Does anyone know for a fact?... |
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 Why do people think having (good) credit is a "good" thing? |
Having credit means you get a purchase or loan and defer the payment. In other words, you *owe* money or whatever it is you use to pay, trade, etc.
This usually comes with some sort of ... |
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 Can you get credit cards with a credit score of 650? |
| I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?... |
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 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
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 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
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 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
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 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
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 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
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Ashley | I am a single mom who just began the home buying process with not so good credit any tips or ideas? Thanks.? |
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chocolatebabycakes
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Credit and money are 2 things you will need to get a home with a decent payment. First, you should pull your credit from all three credit bureaus (Equifax, Transunion and Experian) and look to see what it is that is making your credit scores low. Then work on paying off whatever bills that is making your credit suffer so your scores can get higher. It may take 30-90 days to boost your scores, but just pay things off, don't close any good accounts. Next start cutting back on your spending and start saving up some money for a downpayment, closing costs and any other expenses. If you have a nest egg saved, the process is much easier.Then contact a loan officer to get you pre-approved and after they get you preapproved, call a Real Estate agent to assist you with selecting a nice home.
This is the biggest purchase of your life so PLEASE do your own research first before you just jump put their blindly trying to buy a home. Go to google.com or yahoo.com and type in home buying process. Also to to fanniemae.com and check out some of the info on there. If you don't educate yourself first on the home buying process and how important your credit is, you will get burnt and end up stuck with a bad payment, a bad interest rate and/or a bad home. Then whoever burnt you will end up laughing at you all the way to the bank.
If you need any more assistance, feel free to email me at deejomoore@yahoo.com. By the way, I'm a licensed Real Estate Agent in Atlanta. Good luck! |
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KM
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Look for a Neighborhood Housing Services in your area. I went to one of their classes and learned a lot. |
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but why not
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some real estates tips on this site
http://www.researchitforme.com/wesayes/loans |
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nilestyleniqabi
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Sorry I dont' have any tips but as another single mom I just wanted to tell you " Good Job, Keep up the Good Work!!!" Happy snaps!!!:) |
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TruthIsRelative
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Get pre-approved for a mortgage BEFORE you find the house of your dreams. Then you are limited in "what if" scenarios. |
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unclejesse1
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Look at your budget and determine what you feel you can afford and then buy an even less expensive house. Keep you credit balances below 50%-no need to pay them off. Do not close them either. MAke sure to get on a good loan program that will not adjust rapidly and soon. Shop around. Banks are not always the best deal. Get many qutoes. Any further questions let me know. |
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jake_deyo
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You will need to give more information about your situation. Who told you that you have "not so good credit?" Do you think that or did your loan officer tell you that? If your credit was really that bad then you wouldn't be approved to by a house. If you have to put some money down, that's not necessarily a bad thing. The biggest mistake that you could make is biting off more than you can chew. Make sure that when you are looking at your housing budget you include: mortgage payment, insurance, taxes, any monthly dues (if condo or townhouse), maintenance costs, as well as the increase with the utilities. If you would like a free mortgage analysis, send me an email, I am a licensed loan officer and I would be happy to give my professional opinion. |
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jtswearingen
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Don't buy a house unless the rest of your debt is cleaned up.
Live in an inexpensive apartment.
Pay off your debts.
Save Cash for as big a down payment as you can.
Otherwise...you'll just be buying a house to be foreclosed on... |
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jarjarbaker
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My suggestion for this type of scenario is look at your credit rating. The more money you have available for down payment and closing cost the better rate and offers you will be able to have. There are some good programs available at different banks that offer Down Payment Assistance. I would suggest talking to your bank of choice and they'll point you in the right direction and give great tips to manage your credit also. The Down Payment Assistance programs are also great for first time homebuyers but require the homebuyer to take classes but can be considered a grant (gift). Also look at being pre-approved by a lender or credit union this will give you potential buying power. |
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cardog
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email mail me I have the answer I am not a business |
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John B
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Definately work with your bank first and tell them your workable budget. They can give you an idea of what kind of rate you will be able to borrow at, and how much of your payment will go to mortgage insurance, property tax, insurance etc. Talking to a lender first before a realtor is defiantely a good first step. |
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