 Why did my credit score just drop? |
| Last month, my score was 662, but then it suddenly went down to 644. I haven't opened any new accounts, and i've actually been paying down my debt (on time) and not using my credit cards at ... |
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 How do you correct your credit score? |
I dropped a class in my local community college and did not pay for the class. They called a credit agency that adversly affect my credit. How do I correct this?
Additional Details
I ... |
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 I can no longer pay my student loan because I am unable to work,what action can they take? |
| I borrowed 12,000 10 years ago and they say I still owe them 12,000 with all the interest.I have paid them 14,000 already I have no ... |
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 Is it really that bad to go bankrupt? |
| Thanks to cridit cards, my monthly expenses are about $400.00 a month more then my income. Jan. 1st. I just spent the last of my savings... I dont know what else to do but go ... |
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 Will they garnish my wages? |
| One of my credit cards hired an " attorney" to collect money for them ( tho i think tis a collection agnecy) anyways the person called my work today i called back the guy said i need to pay ... |
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 Payday loans if you really need it? |
Can they be helpful if you pay them back in full when they are due? Car broke down and in bad crunch no family help available.
Additional Details
It's just for 100 dollars the most ... |
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 Do credit repair companies really help fix your credit? |
| I know that I can dispute and correct items myself.. But I'm wondering if I would get better results if I paid someone to do it...Has anyone had good results?... |
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 Should I cancel my credit card for this reason? |
| I have my credit card all paid off. But they keep charging me these stupid $1 and 50 cent fees! I hear you are not supposed to cancel a credit card because it will lower your credit rating but I am ... |
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 How do I fix my bad credit? |
| I have bad credit. I have already consulted a "professinal credit counseler" but got a half *** response. I am not ready to pay additional money to have someone else fix my problem. I ... |
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 Whats the worst that could happen if I dont pay off a bank loan? |
| My ex-husband took out a bank loan in my name (with my consent) and now that we are divorced I am obligated to pay it and I dont have any money to spare I am living paycheck to paycheck working two ... |
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 Getting a credit card. What are the best deals around? |
| Hi. I need to get a credit card with a limit of about £1000. What would you go for at the minute? I've checked these comparison sites and they're frankly very confusing. UK only please. T... |
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 Should I refinance my home? |
| I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed ... |
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 Is there a place I can go to view my credit score, instantly? |
I don't want to have to wait for a week to receive something in the mail that I have to enter to receive my score.
Additional Details
I tried freecreditreport.com and had to wait ... |
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 Is Credit Repair really effective and how much would you pay for it if it is? |
| A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit ... |
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 Does one delinquet credit card effect your other cards you have? |
| i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my ... |
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gonavybeatarmy | I have fairly bad credit and want to buy a house. How can this be done without getting really raked on a loan? |
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carlos
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There you go : http://simple-credit-cards-and-loans.com?=ya070223
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
Good luck ! |
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Reenie
 |
Do you have someone that can co-sign with you that has good credit? That would help your interest rate. You'll really just need to start calling around or applying online to various mortgage companies to find out who can get you the best rate based on your situation. Or, you could wait and work on repairing your credit, so that your interest will not be so high. This is a helpful site with loan information and where you could get an idea if you would qualify for a mortgage and what the rates would be. Good luck! http://loan.divinfo.com/ |
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Logical
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first make sure u have a good frisko ..dont use credit cards for a good 3 months prior to the purchase .. and make sure u pay everything on time other then that u should be good... and feel free to browse around not just settle for the first guy ... target anything between 6% - 4% rates anything over is a rip off |
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Faye H
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No one will give you a loan with low interest rates if you have bad credit.
The first thing you need to do is work on cleaning up your credit rating.
Pay all bills ON TIME. Late payments totally mess up your credit rating.
Reduce your debt. To do that, you need to get credit cards paid off. Always pay more than the minimum payment on credit cards. Otherwise, you are just paying the bank huge amounts of interest and never reducing the total amount owed by a whole lot.
When mortgage companies look at your credit, they look at the amount you owe. If you owe $15,000 in credit card bills and you only make $25,000 a year, it's unlikely anyone is ever going to make you a loan because you don't earn enough to make the monthly payments on your current debt plus a mortgage payment. They also look at what credit limits you have on those cards and how much you have owe on it. If you have a $5,000 limit and you currently owe $5,000, they'll know you can't afford to reduce that debt. You need to get the balance owed under 30% of the limit. zero balance is even better.
It will take you months to see your score start improving but if you make your payments on time and reduce the total amount you owe, you'll start seeing your credit score go up. |
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Maggy G
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Try the below company for a rate and payment comparison across several lenders |
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sexytrojan
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Go through a mortgage broker to see what all of your options are.
They will find you the best rates for bad credit. You can also refinance later. |
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paynemdp
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Yes, you can buy a house without getting "raked on a loan" and despite "fairly bad credit".
Sounds impossible, doesn't it? If you try the conventional route, it is fairly impossible.
Solution: Lease to Own by locking in the future purchase price and enjoying your home today as your own.
Please go through the credit category among Yahoo Answers and see my lengthy responses to similar questions.
The bottom line, you can buy a house and get a fantastic opportunity while fixing your bad credit.
In many parts of the country today, the real estate market is soft. Sellers of NICE homes will negotiate.
We offer a free credit repair training e-course at www.fixmyuglycredit.com if you're interested (no strings attached; unsubscribe at any time).
For others reading this thread, if your middle credit score is below 720, you need to fix your credit. You may not even know in what ways you are paying extra for credit below a 720 (and I'm surely not just thinking of your mortgage, especially if you're renting).
Don't go with a sub-prime loan -- it's unnecessary and dangerous, especially if you don't understand the terms. If you ever choose an ARM (adjustable rate mortgage), clearly understand what you're agreeing to. Rate adjustments are killing people. |
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mey t
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You need to repair your credit and opt for a loan:
Step-by-Step Credit Repair Guide
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in |
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iceman
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There are always people out there ready to work with you as long as you have INCOME. You hear alot about credit scores, but typically they come into play more when somones income is bad or they have no downpayment. Ussualy if you can prove income someone out there is going to be ready to give you a mortgage,just takes a little more work finding the right one. |
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Studly Jim
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Buy a house with an assumable without qualifications mortgage. Then your credit rating is not looked at. |
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shirl_lee2
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"no doc loan" no document loan. usually they'll just go by how much you can afford a month. some loaners fudge numbers, ie. salary, etc. to do this. |
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