 Read my credit report and very bad...? |
| need to get life on track again. Read my report and says will be on report until 2010, 2011, etc. if i call & talk to the creditors and try to pay will they take off before 2010, 2011 or if I pay ... |
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 Does the use of debit card as a credit card affect credit score? |
| I do not have a credit card but I was issued a debit card with MasterCard sign on it and I frequently use it as credit. Is this doing anything to my credit score?... |
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 Lower rate on my Credit Card? |
Any advice on getting a lower rate on my hight interest credit card?
Here's the deal. I have two credit cards. One with a 9.9% rate and one with an 18.5% rate. The 9.9% card has a ... |
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 What items have you bought that have ended up paying for themselves? ...? |
Mine is a bread making machine, it gets used almost everyday and a hair Clipping set cost me £25.00 and haven't paid for a hair cut since 2003
Additional Details
Chewy, how could ... |
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 Can Bailiffs take my stuff?? |
| Hey i live in uk, my parent has the Bailiffs coming round 2moro to collect stuff for a council tax debt, i own the most expensive things in the house as i have saved birthday and Christmas money to ... |
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 I want to take out a loan off 10,000 pounds, i work full time and earn 8 hundred a month,,? |
good credit history, etc,,
if i am able too how soon do you think the process will be?
sorry just i want to help mum with mortgage deposit.
Thank u so much,
... |
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 Best way to pay off this debt? |
| Ok me and my wife made 33000 in 2006 50,000 in 2007 and now my wife is about to get a 16000 a year raise. We had issues with bill, but will now be able to pay everything back. The question I have is ... |
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 Can a collection agency change the agreed amount? |
| I've settled a debt I owed, the agent at the collection agency said that they will be debting my bank account for a certain amount for 4 months and that will suffice the amount I owe. However ... |
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 I have no credit cards or loans and im about 500 in debt from bellsouth how can i get approved for credit? |
| I AM TRYING TO GET A CREDIT CARD, AUTO LOAN, OR A PERSONAL LOAN BUT I GET DENIED ALL THE TIME MOSTLY DUE TO INSUFFICIENT CREDIT HISTORY! SO PEOPLE HELP ME OUT WHAT CAN I DO IN MY SITUATION... |
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 My husband and I are on the verge of losing everything,We both work but we can't seem to make ends meet.? |
| What do we do?We don't qualify to borrow from our 401 k Yet.We don't have enough credit to get a loan from the bank.And they say we make to much for financial help from the state.What are ... |
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 Credit card? |
| i just recieved my first credit card trying to improve my credit if i dont use the card will that help my credit just showing that i have a card and the mothly fees are being ... |
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 Why would you press the credit key even if you were using your debit card? |
I just got my new debit card in the mail. It has a VISA logo, but the bank says I should be sure to press the "credit" button when making merchant transactions with my debit card.
... |
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 I have bad credit. Is it possible for me to still be able to get a car loan for a used vehicle? |
| Without, paying super high interest rates? I also want to spare myself the embarrassment of being turned down for a car loan at a dealer. Any suggestions?... |
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 Is it possible to have your credit cleared, All bad stuff and bankruptcys too? |
| Can you pay a firm to remove this stuff? Is there anyone who has done this?... |
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 Is this debt collector messing with me? |
| I have a big medical bill that got sent to a bill collector. I called them today to try to make payment arrangements and they told me that I had to try and get a loan. Once denied I would have to ... |
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 File Bankrupcy before suicide? |
| I am thinking of ending it all due to my debt. I am wondering, should I file for bankrupcy before I leave, so my spouse and estate dont get drained with my debt?... |
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| I overdrew my bank account, now its closed, and a collection agency is calling me? |
| A lady from a collection agency has been calling me regarding my overdrawn bank account. I talked with her & she compromised with me, and I was supposed to moneygram the money to her on monday. H... |
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DOC. | I need to rebuild some good credit, im ready to buy a house but im scared about the interest rate i might get? |
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trainbuff
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Visit a mortgage broker for help on this one. They'll run your credit and see where you're at. You may not be ready financially because of your credit. They'll tell you how to clean it up and how long it may take. |
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Kelly F
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I am in this exact situation. The sad thing I am learning is that good credit takes time and just having good credit in the recent months doesn't balance the few bad things that may have happened to your credit years ago. I didn't realize when I was younger all these little things that go on your credit report to haunt you forever. What I did is meet with a lendor who was friendly enough to explain everything to me and although I don't qualify for a loan with the credit score I have now, if I keep making payments on time, in a few months it may look better. That is what sucks: there is no quick fix for your credit. I wish you luck. |
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robert w
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visit daveramsey.com to learn what bankers pray you never ever learn or worse apply.
pay your bills on time or early for 2+yrs, save up real cash (work 2 more jobs each), find a real banker who can do a 'manual underwriting'
u'll get a solid mortgage on 30yrs or less, fixed rate not varied or ballons with PMI if needed .
u can get a real not creative mortgage.
we did. |
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Marco
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I've been there! there is no quick Way to build your credit back. there are so many variables it is hard to address your question... good news is, you can re-finance in a year or two and get a better rate. if your score is a 625 or so,you should get about a 8.25 rate. again, there are many variables. talk to a loan broker and get pre-qualed |
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nickhawkins21
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It is a crapshoot, but if I were you one thing that would help out the interest rate is by having a down payment that way it shows the lender you are interested in keeping the home and making all payments on time since you have sacraficed some of your own money. Second is to check out your credit profile, make sure everything is accurate and see what your current score is. Try to improve it and get rid of unnecessary debt if you are able to. You want to make yourself look like a stable person and that the lender is not taking a risk with you, if they feel you are not a risk they will not rape you with a large interest rate. |
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CALIFORNIA GOLD
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I recommend you sign on with a broker who would put you into a credit restoration program in conjunction with the loan so that you could refinance into a better rate later. I use Hamlin Mortgage. Check out the source website as well. They have a free evaluation form that might yield some more answers and resources as well. |
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wish I were
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Why worry about it if your credit isn't any good??? Fix your credit and then you can get a good interest rate! |
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Maggy G
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Check what rate you'll get with the below company |
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mey t
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Building a good credit can be done in various ways. If you are fed up of the collectors tirelessly chasing you to pay your debts or if you are disappointed at your loan application being turned down, because of absence of credit history, you should learn how to do build your credit. The most important thing to remember is not to buy unnecessary items. Do not convert your ‘want’ into ‘need’, as it can drag you deeper in debt. If you are looking to build credit and do not have any history, set your priorities properly.
If your credit is bad, buy a DIY kit to get started. Visit the public library and read books that take you step-by-step through the method of repairing your credit. Many libraries let you copy and print forms that you can fill and then dispatch to your credits. |
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marshae
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After you purchase your home, you may be interested in this new program. It works well with a 30, 20, or 15 year mortgage. Using a HELOC (Home Equity Line Of Credit) in this program, could really build up your credit fast. I am currently using a HELOC with a new software program that helps build equity fast, and will payoff my home in less than half the time without refinancing, and without extra payments. It is saving me thousands in interest, and pays off home in less than half the years. E-mail me if interested |
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