 Does a judgement fall off your credit report after seven years? |
| My nephew has a judgement against him for credit car debt. He is paying a monthly installment on it and will have it paid off in less than three years. He asked me how long it would stay on his ... |
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 I recently paid a bill which was a couple of days late arriving.. they have now charged me £20 for lateness.? |
| I thought there were rules against this, whereby they cannot now charge you astronomical administration fees ?... |
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 Why do they say bad creditors will leave your credit report n 7 years? |
| I am tryin 2 clean up my credit and researching 2 learn more about my credit report, but there r items that is on it that is older than 7 years. they say creditors come off after 7 years?... |
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 How do i go about closing my credit cards with balances on them.? |
| Do i just call me and tell them and keep makin monthly payments on them.... |
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 Help! I'm being sued by creditor! I already answered summons. What now? |
| I added this creditor to a debt management program 2 years ago & I have made substantial payments every month for 2 years to Plaintiff's attorney. (That's what creditor requested) I ... |
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 Can you use a debit card to by stuff on ebay?? |
| i'm pretty new to online shopping and debit/credit cards, anyway, wanna ask, can we use debit cards to by stuff on ebay just like you do for credit cards?? kinda confused about debit cards... i ... |
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 Credit cards? |
Additional Details
how do I get one and what is the best way to go about it? Recomendations?... |
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 If you have really bad credit, and want a credit card to rebuild your credit.....what credit card? |
| I'm trying to get a credit card to build my credit back up....and I have really bad credit....what credit card can I apply for, and get accepted?... |
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 Walmart credit card? |
| I am thinking about applying for a walmart credit card but I dont really have any credit at all because I am 21 and I go to college and still live with my parents, but was wanting to have one because ... |
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 Still needing answer for bad credit unsecured loan need 5k my experian has dropped to 524 & prosper denied me? |
| Every time i apply for a loan my credit drops it was over 600 my problem is that i have 16 accounts but all are current but not for long if i cant get the help. x-wife decided 2 go through the state ... |
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 Is it illegal or some type of fraud to use business credit cards for personal use? |
I'm not talking about maxing them out, but using them instead of personal credit cards, say, if the business closed. The business cards don't show on the personal credit report.
A... |
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 Whats a joint account?? |
| umm my sister was applying 4 mastercard and in the application and they asked her for her joint ... |
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 What if I defaulted on a credit card? |
| First let me say that I have several credit cards. One though has really begun to screw with me. First they raised the interest rate to 21.9% and now the monthly payment is unreal (I have never ... |
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 Which is worse for your credit? Continuously missing payments, or filing bankruptcy? |
| I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not.... |
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kay kay | I am applying for a home with a 450 credit score is it possible? |
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CactusFlower
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Didn't you already post this and everyone told you that it wasn't a good idea.................?
You need to try having a score over 620 or risk having your credit report dinged yet again on an inquiry and have an even LOWER score. Are you shooting for 350.. the lowest?
I have to ask .. are you just wanting for people to tell you what you WANT to hear, instead of 'reality' ?
You sound like a stupid co-worker of mine with a credit score down in the dirt and she can't figure out why she can't buy cars or a house or anything else, and she applies for a new CC nearly every week.. down down down it goes. She's $16k UPSIDE DOWN on a car loan and can't figure out why she can't trade it in for another new one 12 months later. DUHHHHHH.
Why would anyone want to loan someone with crappy credit 6 figures to buy a home?? WHY? |
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surfinthedesert
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You'd have better luck being struck by lightning. A 450 credit score is in the bottom 1% of Americans. That's deplorable. |
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AG
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very unlikely. Considering you're only 100 points above the lowest score, it doesn't look good. |
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bill a
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Sure you can apply. You won`t get it. I can tell you are not very responsible. And I am not a creditor. |
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emortalwolf
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can we say.........................NO |
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INACTIVE
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Your interest rate will be horrible. If you only have a credit score it is showing that you have serious financial problems and you may want to consider waiting to build that score before applying for loans especially high interest ones. If you only have a 450 score, it's unlikely you will be able to keep the home. Think ahead... can you pay the loan (and have money for maintenance) if you were hit with a bout of unemployment? Don't even consider buying a home that you could lose within a few months. Can you afford to buy? Why not consider putting aside the difference between the money you pay for rent now and what you think you can afford for mortgage, taxes, insurance, etc. for six months? Let's say you pay $500 for rent and your expenses (including higher utility bills, water bills, sewer bills, insurance) will be $1000 a month ... can you put away $500 every month and not touch that money for six months on the 1st of every month??? If so, you can afford the loan and you have $3,000 more for moving expenses. If you cannot, go to Plan B. What's the point of buying a home that you cannot pay on for more than a year or two? Foreclosure is not pretty. If you have to wait seven years for your credit to improve, wait. That extra $500 a month or whatever you will pay can add up nicely in an interest bearing account instead of an interest paying loan. If you wait 3 years to buy a home putting $500 a month into an account, you will have $18,000 to put down and greatly reduce your interest rate. When you do buy, don't go with a 30 year mortgage... go with 15 fixed and then bi-pay monthly to get that loan paid off asap. You will have $1000 a month freed in your budget and a home you own. |
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oleurud
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1st reply is correct....get struck by lightening and use the insurance money |
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tom10926
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if you have a ton to make the down payment |
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foxymama
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yes you could but with a certain company your score might be high or low with another company. i hope u get a house. |
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