 How can I get a credit card if I have a bad credit history? |
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 Which is the better credit card? |
I'm in dilemma between these 2 credit cards that I just received.
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-8% APR (fixed)
-3500 points ($1 = 1 point) is equal to 25 dollars cash back. (less than 1% ... |
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| I have already been scammed by Sterling Finche online and now find myself in dire need of funds. What to do? I am not a loser, I work (teacher) just had a rough summer. I sold everything I can sell! I... |
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| The card was with Providian and I had it way back in 1998. I was making monthly payments until around 2001. I ended up losing my job and shortly after moved to New Jersey. I have been living and ... |
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| I recently received a letter stating that i owe £29k after 18 yrs on a property that a previous x let go into repossession. what can i ... |
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 I need a $5000 loan, credit score of 590?? |
does anyone know of any lenders who will do this? i need names.
Additional Details
the thing is, im no longer in any debt. all of my debts and collections have been paid off. Im trying ... |
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 BANK OF AMERICA SCREWED ME OVER!!! I need help!!? |
| Alright, here is my situation, I have a checking and credit card with them. I set up my credit card payment to come out on the 10th every month, for some reason it came out on the second, and they ... |
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 Did anybody get a personal loan with bad credit? |
| My husband and I want a loan for $50,000 for investing purposes but have bad credit. Is there anybody that ever got a loan with bad credit for a large amount of income. No Scams. Please. Only legit ... |
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 Is it better to pay off your balance or to get a payment history established? |
| Soon I will be making more money and will easily be able to pay off my creditors but I have poor credit right now. Is it better for the credit report if I pay them off in full or if I just ride the ... |
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 How long before you can start applying for other credit cards if you barley got one a month ago? |
| I want to get another credit card from like best buy are some where and I barley got mine like a month ago, I paid it off and i want to know how long i have to wait before i get to "build my ... |
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 Poor College student being sued by credit card company? |
| I'm a 24 year old college student that stupidly got a credit card, maxed it out, and then couldn't afford the payments. I stopped paying and just found out I'm being sued by the credit ... |
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 Are credit cards really necessary? |
| We all earn, and cant we regulate our expenditure within our stipulated earnings rather than falling into a debt trap........ |
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Beverly | I have recently had a bankruptcy discharge. I want to buy a townhouse. Do I have a chance at all for a loan? |
I have heard that there are loans for people out of bankruptcy, but I don't know of any company. Before this, I had perfect credit. I am desperate. I need some good advice. Thanks! |
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Wassime
|
Did you at least keep an account open after you went through bankruptcy? You always want to keep one credit account open going through and after bk. This way you can build your credit back up much faster and don't have to worry about someone approving you. I am a loan officer for Citi (yes, I'm the wife) and we deal with bk quite often around this time of year. Bk attorneys don't care how you do after you file -- they just want to make sure you file so they get their money! Before applying all over, ask ahead to see if there is even a chance. This will help you save whatever credit you have. If approved, you will most likely be looking in the double digits for interest. Try to stay away from brokers, as they charge a lot of fees. Personally, I would try CitiMortgage as they do not charge insane fees and you can refinance after a few years to get better rates as your credit improves. |
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stan c
 |
You should be able to get financing, but you'll probably pay a higher rate. I would call a few mortgage brokers and just be straight with them. If you have to pay a higher rate, make sure that you get an open end mortgage at a fixed rate. Also request an amortization so you can pay down the mortgage. |
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Expert Realtor
 |
Don't make the same mistakes again that led you to Bankruptcy court to start with. This happens all-too-often when people get their debt wiped away, the first thing that they do is rack up more debt that could be best handled another way.
It's time to have an honest conversation with yourself and define "wants" vs "needs".
If you recently, had a bankruptcy, then you need to wait a minimum of 4 years from the discharge date, and have PERFECT re-established credit...I am very, very serious about the perfect part...no lates, not even one.
That way, your score should be high enough to where you can qualify for A-paper rates, and the lenders will no longer take your bankruptcy into consideration b/c it's already factored into your score.
If you buy now with a recent bankruptcy, you'll pay out the nose at extremely high interest rates, it will reduce your buying power on a townhome, and possibly get you in a negative equity situation. You would also be at high risk to lose the home in a foreclosure b/c most likely you would need to get an adjustable rate mortgage to even qualify.
The best things come to those who wait....wait until you are in a financial position to SAVE money, not get things sooner and get back to the same position you were before.
I wish you luck! |
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Dewey K
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If it has been discharged I would say yes, because you cannot have another bankruptcy for about 10 years. I know of a website that specializes in helping people like you get re-established. You will have to pay a higher interest but you can do it and then refinance in 2 - 3 years with a better track record you will get a much better rate. The web site is www.1-800BadCredit.com I think they will have the answer you need. Good Luck! |
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ashrabs
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Well, from personal experience, you might want to wait for atleast 2 yrs. before getting yourself tanggled up with credit issues again. I was informed that the APR is twice as high than the normal rates for people with good credit since you are a "risk" to them at this point. Onother thing, is that you can always can up a realtor for any questions you might have since they have the drills to all situations. Good luck |
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Betty F
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Its best you get advice like this directly from an attorney. Most offer free initial consultations. You can find a good bankruptcy lawyer in Riverside at the link below. I also put a few links for California Lawyers, Legal Advice, and Legal Articles.
http://www.riverside-san-bernardino-attorneys-lawyers-dui-directory.us/riverside-san-bernardino-bankruptcy-lawyers-attorneys.htm
http://www.riverside-san-bernardino-attorneys-lawyers-dui-directory.us/riverside-san-bernardino-legal-services.htm
http://www.sandiegolawyerforyou.com/
http://www.california-attorneys-lawyers-dui-legal-advice-directory.us/california-bankruptcy-lawyer.htm
http://www.california-attorneys-lawyers-dui-legal-advice-directory.us/
http://www.legal-advice-library.info/resources_CA.htm
http://www.legal-advice-library.info/
http://www.legal-advice-library.info/articles.htm
http://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info/san-diego-california-lawyer-legal.htm
http://www.san-diego-lawyer-attorney-personal-injury-dui-car-immigration.info/ |
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Tahoe
 |
I know people who have filed for bankruptcy, and have gotten loans. After 7 yrs. it is much easier. but, there are always the exceptions. |
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Pamella A
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There are many lenders who will try to give you loans but they will kill you with the rate of interest. So it will be better if you go to some good company who will offer you the loan. Generally with bankruptcy you won't find a company like that but yes there are few where you will fill an online form and they will give you free Quotes for home mortgage loans. And from them choose one just remember one thing while filling up the online form give your credit score as bad and get the exact rate.
To know more you can visit
http://www.easyhomeloans.blogspot.com
and
http://www.badcrediteasyloans.blogspot.com |
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Anthony
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Technically, you can get a loan the day after your bankruptcy if you have a high enough credit score and enough cash. It sounds silly, but that is what the banks tell you, however most people that file bankruptcy do not have money or credit.
Here is a great resource to help people specifically in your position: http://www.bankruptcymortgagebook.com/
Lastly, don't be desperate, be patient. I know - easy for me to say, but I "have" been there, so I know first hand. There are too many crooks in the mortgage lending business, so you want to be cautious, especially if someone sees you as willing to do "whatever it takes" to get into a home given your credit situation. You could end up with a high fee / high interest loan that you cannot afford, and then be in a worse situation by losing your home. |
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