Sarah K
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This is a joke, right? (I say this because of the racial content.)
Yay for subprimes finally crashing down... a blast to the economy will continue our wonderful low interest rates! |
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alexis221
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First off... Nobody ruined your credit score except YOU.. If you cant afford to pay for something then dont buy it...
Second off... STOP blaming everyone else for your ignorance
Third off... YES someone will finance you for a house with your crappy credit you will just have a higher interest rate and rent will be higher and yes you will probably have to put something down..
Fourth..... STOP asking for hand outs. You dont deserve no more then the next person if you cant learn to take care of your credit and money issues... |
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Melanie B
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Maybe try contacting credit counselors to see if you can improve your score and try searching for lenders that will loan to you, you will probably have a higher interest rate though. Also, maybe a relative of yours with a good credit score can co-sign on the loan for your house. |
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Margie
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LOL. Corporate America did it? That's funny, I though people ran up their credit and fail to pay on their own.
Go ahead, someone will lend you money for a house with your credit- then they'll repo that too!! |
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Nodor
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Idiot. Yeah, you will get the loan, but the APR will be so high you will pay for the house at least 3 times over before you pay off the loan.
How about you take resposibility for your actions (bad credit score) and not blame other people. You got yourself into that mess, good luck fixing it. Oh, and playing the race card, is just pathetic. |
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whm
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I realize this must be just one of those fake provocative questions people post just to get a rise out of people. I suspect you are white guy... not a gay black guy (based on all the other provocative questions you have posted). and in the question you posted prior to this one, you actually say you have a great credit score.. so make up your mind.
I mean come on... if you don't even have a job, how would pay a mortgage? |
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I <3 Swingers
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I DIDN'T EVEN KNOW IT WENT THAT LOW
HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHA...
btw I am white |
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jerk
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So it's our fault you don't work and can't pay the debt you incur?? That makes no since in stead of blaming the white folks, you should look with in and be a smarter consumer. It's not our fault you are a piece of crap! |
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Mean Rob
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Ignorance and racism, not only a white thing |
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iceman
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Did corportate america force you to ruin your credit.
Did they force you to max out your Visa card on Chicken wings and Malt Liquor?
Stop whining and realize that WE owe you nothing! |
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Mistress
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Why do you deserve it more than a white person? You don't go getting VERY bad credit without making some bad money managing decisions on your own. Yeah, yeah, circumstances sometimes make things more difficult, but you dug the hole you are in, you can't blame it on "white society."
There are programs that will let you get a house with bad credit and no money down. You would probably have to own some land for collateral to get a deal like that, though. Get credit couselling, VERY carefully moniter your budget, get yourself out of your current debt, and then try again...just like all us WHITE people with bad credit have to do, too! |
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DrPepper
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it's never gonna happen with that score... |
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dragonflyllg
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African American, eh? I wonder...what do you call a white South African that moved to America? Would they not be an African American?? In my opinion, if you live in America..you are American, period. Racism needs to end...but we cannot eliminate it if we keep segregating ourselves.
Anyways, your best bet to getting a home with a low credit score is to look for a seller that is offering owner financing. The only draw back is that they will want a pretty good down payment to make sure that their buyer isn't just going to bail out later. Good luck with your home venture. |
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chaleychan
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Just sell more crack or crank, farm your mother and sister out for a couple of evenings and you can stay on your knees or bend over. You'll get moneyed up quick! Then that mansion will be yours. |
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bostonianinmo
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Move to Atlanta. The Black mortgage bankers there will turf you out just as quickly. At least you'll then realize that it isn't a "white corporate america" thing but a "credit score" thing. And the bottom feeders there will rip YOU off faster than they will a white person since YOU won't be able to cry racism.
A credit score that low takes HARD work over a period of time. You did it to yourself and only YOU can fix it. |
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SPIFIMAN1
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I suppose that corporate America and the white people made you not pay your bills on time. With a score that low you have never paid anybody on time. You do not deserve anything other than the opportunity to rebuild your credit and with your attitude you will never make it. |
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Judge Judy of Y/A
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Wow, I've never heard of anyone having a credit score so low. You must have not paid a lot of bills. How is corporate America responsible for you not paying your bills? Dude, any institution that would lend you money would be out of their mind. |
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jelkanders
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I've been in the mortgage industry for many years.
#1) Take responsibility for your credit situation. Enough said.
#2) Improve your credit situation. Pay your bills in full and on time. If you can't, meet with a debt consolidation company.
Someone mentioned an owner finance. That is probably your best bet if you really must get into a house right now. In my experience, the interest rate a normal, intelligent person is going to charge someone that is a high credit risk and can't be approved through the usual methods, will be about 20%.... really not a good deal.
One thing we used to say about someone with horrible (below 600 credit scores):
"I wouldn't loan them $5 if they had $20 in their pocket." |
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Barrett G
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First off. You're full of it.
If you were serious though.....yes....you can get a house with any credit score. |
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tank_boogersmom
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yo listen up. I am not going to take the blame for your irresponsibly. and I also want a house and that's not my problem either. you need to take a job you can do and then save up like all of us other "chums" do. |
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luciousgreeneyedlady
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with an attitude like that you will never get anywhere in life. |
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creditdebtmoney
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check out www.credit-debt-money-register.info they have a corporation plan you can finance! It creates a credit files on your corporation that you can use for credit or financing anything from houses to cars.
Great Thing is that these will be corporate loans without personal guarantees or personal credit reports!
Also show your support to www.afro-american.org and make a donation today! |
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carolina gyrl
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are you serious....? U may not want to try and get a house just yet. I have had a low credit score and yes it was caused by me not paying my bills on time. But Now I realize what is important and I have manage to raise my score in just 3 months to a 620 and I was approved for a CC by Bank of America. So it can be done by 1st getting a job and 2nd paying all of your bills off or at least on time...or at least paying something on them. You need to realize no one did this to you but you, and you cant blame anyone else but yourself. That's just ignorant. Dude get a job and get real, your not gonna have everything handed to you on a polished silver platter, you gotta work for what you want in life...hell Bill Gates did it and he has 56 Billion to prove it! |
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Driven
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I know this isn't the answer you want to hear but from my own personal experience - WAIT! Try to get your credit up some before buying a home. Their are places that will finance you, but in the long run it will cost you soooo much more. You should request a copy of your credit report - you can get it free since you recently had your credit ran. Look through it and see what you may be able to fix. You will be surprised how much money you could save just by getting your credit score over 600. |
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razorraul
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request an owner finance house the interest is rather high and do not expect a brand new neighborhood but that is the way. |
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pattibcacl
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yes I belive you can get a loan for your house go to bad loans I got a loan and i got bad credit for my new house in florida I wish you all the best good luck |
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beauty s
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OK, how can u say corporate America, I'm a black woman and I work and to get things I want because I work hard for it. U need to just keep a job and pay things off one by one and by time u know it everything will be paid off. and no u can't get a home til u fix your credit. |
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magnus_ver_maximus
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Darn whitey and his credit reporting agencies! Maybe you should just move into a house while the owners are on vacation, then call squatter's rights. That's how I got the car I am living in. |
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Robin M
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Corporate America did not ruin your credit you did stop blaming the whites and take responsibility for your own actions. I hate racist people you play that card every time you cant get something for nothing i don't feel sorry for you and neither should any one else. I have many black friends and a son in law that is black i never hear anything from them as a matter of fact they are doing very well have good jobs and work hard own their own homes and have nice cars. So get off your *** and take responsibility for yourself and get a job so wear a tie if you have yo make something of yourself and show others you are not an ignorant ****** |
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Elizabeth H
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Get off your Black a** and get a life!!!! |
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val s
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LOOSER! |
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