 The cash machine has just swallowed my debit card even though I paid in £5500 7 days ago.? |
I was £600.00 overdrawn at the bank with their agreement and last week I paid in £5500.
I put my card in a cash machine to check the balance and it kept the card for what it said was ... |
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 Is being in debt such a bad thing? |
| There seems to be a negative label placed on debt. But, I think we are always going to be in debt. Buying a house, buying a car, school loans...Doesn't having debt show that you have credit? T... |
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 What is the best way to get your credit score rating up? |
| I went into my bank to get an upgrade of my card. They checked me out on their system then told me my score was a little too low and i could not have the card. Fair enough, but when i asked what my ... |
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 Should I Get A Credit Card? |
| I have ok. maybe slighty bad credit. I haven't had a credit card in 2 years. I make under 30k. I don't make big purchases and am pretty good about saving money. Would getting a credit card ... |
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 At age 15 i got a Target card without my parents consent. Now they want me to pay $1000 dollars.? |
Am i liable for paying the $1000 dollars? I was under age.
Additional Details
Im 21 now and i only used it like twice when i was 15. this happened when i was living in C... |
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 How do you start building credit if you have absolutely none? |
I'm 22. I don't have any history of credit. (No credit cards, loans, etc... Nothing.)
My friends told me that they all started building credit by opening a student credit card ... |
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 Is there a gov't program to legally erase credit card debt/? |
| I received several calls that there is a gov't program to legally erase my credit card bill down to zero and they leave a number to call back but I never call them back because I'm scared ... |
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 What bank doesn't charge fees? |
Hello there,
I am looking for a bank that doesn't charge fees. Do you know any in San Mateo?
Thanks and have a great holidays,
Additional Details
Thanks guys, <... |
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 Does anyone know how i can get my hands on £30,000? |
| I have defaulted on payments recently because i couldnt find a job i now have a fairly good job and my mum also needs help i want to sort out my finanaces and help mum out at the same time i live in ... |
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 How to stop Debt collectors? |
| For one debt I owe approx 500$, last month I sent in 500$ wich was half my balance. I still have no income, and have told them that. What bothers me is the week after I sent in the 500 they called ... |
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 I am paying off my debts. Now what do I do to build up my credit?? ? |
| I have bad credit. I owed around $1400 in hospital bills. This week is my last week making payments. Starting next week, I will owe no money to anyone. Now what can I do to build up my credit? I ... |
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 Which is the best credit card to get these days? |
| I've started a new job and been told to use my own credit card for expenses. I want to keep it seperate from my own stuff. Where to start looking for the best?... |
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 Credit cards for teens? |
| Are there any credit cards for teens? I've already got a pre paid debit card which I pay for mjyself, but it doesn't help at all with my credit score. I have a steady source of income and ... |
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 Closing a credit card? |
| I have a few credit cards, 7 actually most of them i owe nothing on. they are the store ones, target, victoria secret, american eagle, old navy, kohls, jcpennys, and express. will it hurt my credit ... |
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woodybmi | I messed up 5 years ago big time and my FICO is terrible. Can I still qualifyto buy a home? |
Right now my FICO score is 584 (I made some bad mistakes a while back). Can I still qualify for a hime loan or am I condisered worthless? I have a great job (I've been w/ the same company for 14 years) and a nice salary. Should I even try? Or should I wait 2 more years for the charge offs to drop off my report? |
 |
 
echo
 |
I agree with personal_finance_101
Go to creditboards and learn how to clean up your reports first. You will also learn how to rebuild your credit as you are cleaning it. Start reading in the newbie forum and then in the credit forum.
I wouldn't recommend going for a mortgage just yet.
And as far as one poster said that you should go for a mortgage then refi it next year........why pay the closing costs this year and then pay those hefty refi costs next year - a lot of good money down the drain there.
If you can just wait a bit, work on your credit and then get yourself a good loan. |
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personal_finance_101
 |
Basically, if you are breathing, you can get a mortgage. You just won't get the same rate. What I would suggest is spending the next few months working on cleaning up your credit and buying then. creditboards.com has a great forum to learn how to get bad stuff off of your report.
This is a much better option for you and I have known people to increase their scores by over 100 points in 90 days. |
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Amanda H
 |
580 is enough to qualify you for zero down, but it will mean its an 80/20 loan with a prepayment penalty and higher rates. But its definitely possible-- you'll probably want a mortgage broker instead of a bank. |
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jititi j
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Constact a credit counselor who would help you:
Credit Counseling
http://www.complete-debt-info.com/category/Credit-Counseling-Programs.html |
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Paula M
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Actually, be more considered w/ your history of the last 24 months!!!! If you have only positive activity during this time, you can qualify......DON'T go w/ any sub-prime loan...Interest rates are terrible, prepayment penalties are ironclad, and they will then try to sell you MPPI...rip off....Go for a conventional 30 yr w/ 20% down....You can buy down your rate if you want....stay away from sub-prime |
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memi
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yes you can but you will need some money down.but if i was you i would wait. |
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love_yengu
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I'm a loan officer with freedom mortage. I'm sure I can find a home loan for you now even with your low score. Just remember score generates montly rate. You may have a bad score when you by your house but you can always refinance in a year and lower that rate after paying your mortage on time. You would have created positive history. It's a win-win situation. You're welcome to contact me. I have access to lenders nationwide...good luck |
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jb
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Wait, if you want a lower rate!! |
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starbright2
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Hey I agree with a few others. You will find out a wealth of information if you visit www.creditboards.com Go to the mortgage forum. |
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Karen
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It can be done...however you will require more money down, and you will have a higher interest rate! |
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mirage
 |
sure you should try. the worst they'll tell you is no.
probably you will just end up paying a much higher interest rate than normal. banks love to lend money at a high interest rate. |
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snape4good
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If you can wait 2 years... Supposedly 7 years is the magic number... You might, but you won't get a good deal so it would probably be worth it to wait even if you could do it right now. You'll save a lot of money in the long run. |
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ushouldnoidontplay
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In New Jersey the minimum credit score for a mortgage is 620. On the other hand in Georgia, the minimum is 580. I guess it all depends on where you are and who you deal with. You will need to go to brokers not banks as they have less stringent guidelines.
Sounds like you could raise your credit score if you lowered the balances on your credit cards or disputed some of the old accounts. There is a program that teaches you to have negative items removed. I purchased it, but ended up filing bankruptcy instead and now a year later, I am qualified for a mortgage with an 8% interest rate.
Another thing that will ALWAYS work in your favor is a DOWN PAYMENT. This will allow you to negotiate better terms in any credit situation. |
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meme777
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I think you should qualify, if you have been out of trouble the last 5 years. Everyone makes mistakes, some just do not get caught. meme777 |
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Silberswarz
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Good Question,
The answer is YES! I can get you approved to purchase a home today.
I am a mortgage consultant who specializes in helping people with less than perfect credit. I will get you some excellent terms that will allow you to purchase a home with ease!
contact me at rot_silberswarz@yahoo.com |
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