 Credit repair? United Credit Association? |
| Has anyone heard of United Credit Association? They are a credit repair agency. I want to know if those agencies are legal and if they really can repair your credit. My realtor recommended it to me ... |
|
 Can I use SBI DEBIT CARD for online payment in india? |
| means can I buy anything like watch, t-shirt, jeans etc. online using sbi debit ... |
|
 My boss ran my credit without my permission? |
| I just found out that my current boss ran my credit report without my permission after I specifically told him not to. They lied to me to get my SSN and then ran it. My credit score is not good to ... |
|
 Free Credit Report Not Free-Stay away and check credit cards!!!? |
| Just found out my Discover card has been charged 25 a month for FOUR years because I used Free Credit Report.com. Seems I was automatically enrolled through CIC. I knew about a 10 dollar a month ... |
|
 Credit card debt question options? |
| I have maxed one of my credit cards ($2000). I work full time so I can pay it back over time, but the thought of having that debt on my credit card scares me a little. The minimum payments are $25 ... |
|
 Bad credit help!! experiences expertise please. process of a loan and is comfused!?!? |
| Hello fellow members, I am actually looking through this one company www.eastpointlending.com trying to get a personal loan and I have been working with one of the consultant. I have gone over the ... |
|
 Credit Cards? |
| I owe two credit cards and they are about 1400 each there is one that charges more interest than the other one. So my question should I pay them equally or pay more money to the one that has the ... |
|
 Will this fix my credit? |
| I am 19 years old and just recently checked my credit score. I have nothing on it except one colection agency balance. It is a balance I owe from 6/1/2004 for $125. My credit score is very low 568. W... |
|
 I want to get a mortgage but been refused as i dont have credit? |
| i would like to get a mortgage but i have been refused due to bad credit - i have 1 default thats it! my problem is im trying to build a credit rating for myself as i dont have 1 im only 19! are ... |
|
 Where on the back of my credit card do I sign? |
| I just got my new Visa credit card in the mail...and I'm wondering if I have to sign the back of it or anything since in part of my mail it says "sign the back of credit card to verify"... |
|
 Credit card minimum purchases? |
| Two stores where I live have signs up that say they won't accept a credit card purchase if amount is under 3.00. Is this legal? This is Alabama.... |
|
 Credit Collections - Who Do I Pay? Collector Or Creditor? |
| I was involved in a hit and run motorcycle accident, I was hit by another bike while riding mine. Now I have 2 collections medical bills that made it's way onto my credit report that I refused ... |
|
 I have bad credit!? |
| i dont know my score but it isnt good, at all! what can i do to start repairing this? i am already paying off debits, i have 3 of 5 paid off, but that alone work, what else should i do? i was ... |
|
 What's the best way to pull yourself out of a huge amount of credit card debt? |
| Let's just say your buried, and your not able to pay more than the minimum every month...is there a better way?... |
|
 My nephew is letting his house go into foreclosure as his payment is adjusting and he can no longer afford it. |
| My question is can the mortgage co. come after him later for the difference in what is owed and what they sell it for. PLEASE answer as soon as possible.... |
|
 What are some things that I should know about and consider when getting my first credit card? |
Hey everyone--
I am needing to apply for my first credit card soon to start building some credit. What are some things that I should know about and consider when I am doing this? I am ... |
|
|  |
Tripple A | I have a credit score of 656 (experian) can I buy a home with this? |
LOCATION: HOUSTON, TX
NEW HOME NO MORE THAN 100K
I HAD SOME LATE PAYMENTS AND CHARGED OFFS THAT I AM TAKING CARE OF. |
 |
 
Gatorz22
 |
Unfortunately, you can find a lender that would give money to someone with a 400. That's what has caused part of the home value drops throughout the country. Your score is not that bad. You'll be fine. |
|
tom m
|
There are more qualifications to buying a home than your credit score, like debt to income ratio, how long have you had your job, other credit references, yearly income, etc. Just based on your credit score, however, 656 is fine. You will not get the best interest rate, but not the worst either. The fact you are taking care of your charge offs should be a plus for many lenders. |
|
Lil Mama
 |
Yes. my credit score was 642 when I bought my home a year ago. Now my score has increased to 790! My home was also more than 100k. As long as the lender sees that you are current on your payments and actively working to pay off the charge offs, you should be able to qualify for a mortgage. I paid off all of my debt except for student loans before closing. |
|
iceman
 |
Your credit score is just 1 element that goes into the home buying process.
Bottom line is that you can easily get approved with that kind of score. But it doesnt mean you will. You still need to fall within their loan guidlines on issues such as income, DTI ratio and down payment. But the score itself is considered an average score and normally can get approved as long as other criteria are met. |
|
T V
 |
As long as your average credit score is 620 or above, you will qualify for a prime mortgage loan. However make sure you catch up with your charge offs and late payments. Good Luck. |
|
rhsaunders
|
Yes, but that is subprime and you will pay an interest premium as a result. Prepare a balance sheet (a list of what you own and what you owe) and an operating statement (where the money came from over the past year, and where it went) and take these to your bank. If the bank won't play ball, there are many mortgage brokers who can help, but be sure to shop around as their terms will differ. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 24 minutes(s) ago
| | | |
9 | 38 minutes(s) ago
| | | |
9 | 50 minutes(s) ago
| | | |
6 | 1 hour(s) ago
| | | |
7 | 4 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 1 month(s) ago
| | | |
9 | 4 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
