 Unsecured Personal Loan? |
| Where can I get an unsecured personal loan for $10,000.00, with bad credit?... |
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 What is the #1 thing I can do to drastically improve poor credit? Affected by cancer medical problems? |
1.) i have no credit-low credit
2.) im young
3.) i have more negs on my report than positives
4.) i have chargeoffs from medical times, cancer, anyone for them to over see this?
5.... |
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 I am going bankrupt will I be able to keep my car? |
| I use my car to take my disabled mother to and from shopping and hospital ... |
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 Ive just opened a credit card account ,and ive spent some money? |
| i'm a bit confused about how it works ,what is the difference between the ACCOUN t balance and the available balance,my credit limit is 1500, and i clear it at the end of the month by db can ... |
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 Mom lost my Social Security card? |
I live in California and someone stole her purse and I'm guessing I need a new one since I know people can file for credit cards and what not under my name.
Now I'm underage and I don&#... |
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 Can a creditor call my employer to collect a debt? |
| I recently had a creditor, (General revenue corporation) Call my work to find me, Is this legal?, it really burns me that they would bother me at work to collect a debt. Can I do anything to stop ... |
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 How many people are in serious debt? |
| Just wondered, with all the adverts on the telly for loans, it really seems like a very serious problem!... |
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 Why worry about your credit score? |
The only legitimate thing to borrow money for is a house. Otherwise, you shouldn't buy things if you can't afford them.
Additional Details
You don't need a credit card. U... |
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 How do u get bad credit? |
| i have gottten negative on my debit card... does that mean that ima have bad credit?... |
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 Need to build my credit score?? |
| I want to get a credit card to build my credit, but no one will give me one because i have little or no credit history, and i dont have the money to put down as a deposit. What credit card company ... |
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 Why am I so poor and have no money? |
| I'm 21 year old guy from canada, I failed college 3 times and is now in $25000 student loan debt without a degree. lived off credit cards for a year while I had no job, and got in $14000 credit ... |
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 I got a letter for an outstanding balance of £2.900, Credit card from years ago.? |
| It was nearly 10years ago i ran up £1000 on a barclaycard and never repayed it and soon moved house. Is there anything i can do to lower the balance?... |
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 I HAVE PURCHASED A CAR THAT I DID NOT KNOW WAS ON FINANCE, NOW I HAVE A FINANCE COMPANY TRACKING ME DOWN? |
| it has gone threw several pepole but i have never signed anything now a finance company want £24.000 i only paid £7.000 threw a private ... |
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 I have awful credit and cannot afford to pay everything off. What should I focus on to better my credit? |
| I have quite a bit of old debt. A large amount is medical, but as a young adult I really messed up my credit. I have repo's, owe apartment complexes, utility companies, cell phone, and a lot of ... |
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 Am drowning in the river of debts? |
i really need help i cant seem to stop drowning
in debts and at the end of the month
i pay off debts that what i remain with
cant take throughout the next whole month so i have to
... |
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 I have received notification of a debt which i did not know existed from 11 years ago i am being threatened? |
| with legal action where do i stand. I had a violent partner who ran up alot of debt i do not know if he used my credit card. The debt is from 1996 like i said i knew nothing about this until i ... |
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Emily | I want to buy a house in Jan. My credit score is 581. What can I do to improve my score and loan qualify? |
Additional Details
I have no credit card debt, all my bills are on automatic pay from my checking account, and my car is paid for. Good income and I have saved 15% for the down payment.
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sarell
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get free credit assistance from http://www.ezcreditrepairsolutions.com |
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EMAILSKIP
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Pay your bills on time. I always reported my credit score as "851" and then when someone questioned it I just said, "Hey, I'm dyxlexic---what can I say. Tends to happen all the time". |
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Kevin B
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That's a short time period to work with but something you mentioned intrigued me. You said you have no credit card debt. Do you have cards with a zero balance or have you never opened any credit card accounts?
I'm a Mortgage Specialist in PA. If you live in Pennsylvania, send me a message and I can work with you directly. Otherwise, visit my blog to learn more about the mortgage process: http://explaintome.blogspot.com
It can actually help you to have up to three credit card accounts open and active. Lenders check your credit to make sure that you have a habit of paying bills on time. If you have no credit cards, they have no proof you can pay on time. You've got your car loan, but that's only one thing. They reason that almost anyone can keep one thing on time.
You're best bet is to use these credit cards every one or two months to buy a candy bar or something rediculous. Pay the balance off in full before the due date. All we want to see is a monthly payment being made on time, no matter how small.
If you haven't already, go to www.annualcreditreport.com for a free report. This comes straight from the government so there's no "subscription" that you are getting duped into. Check it to see if there is something you missed that's giving you that low score.
As it is right now, a mortgage broker may be able to get you 100% financing with your 581. If you're not in PA, contact a local mortgage broker. Don't waste time with banks as they won't touch this high risk loan without a substantial down payment.
Important Disclaimer : Applying for new credit will always lower your score temporarily. You should consult a mortgage specialist before doing anything just in case. You'll be better off in the long run with this method but expect a quick dip in your score. |
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FC
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For the lender to be able to use a line of credit it has to be active for at least a year. If that doesn't work, then, if you're paying rent even if you're living at your parents' home, they can use them as a credit line. If you're a first time home buyer, there's a lot of incentives and products that they would be able to help you out with, and you might not even have to give the fifteen percent down since it will virtually make no dent in your monthly mortgage payment. If they see all of the history in your bank accounts and realize that you have enough "rainy day" funds available, that will most definitely be a plus. |
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Bee
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work w/ a credit counsel.....but it wont change much by Jan. tho. but itll help... |
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not perfect
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email my sister at the email pufistafis@yahoo.com. shes really nice and shes an expert with this. she has a really high credit score and shes only 21. |
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bianca
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if you don't have any credit cards debts and any other loans, so what happen to you in the past? your credit score is below minimum to qualify for conventional loan, but you can apply for FHA loan, because there is no min. credit score requirements.
your 15% down payment money will make a big difference even with your current credit score.
i don't know what to suggest to you in improving your credit score, because the faster and easier way is to reduce your debt little bit, but you don't have any and only thing you can do is to see mortgage broker, and ask them to rescore your credit score. maybe there is some info you can update. |
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Michael A
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check them out they might be ablt to help you, they did a great job on my credit!!!! http://www.geocities.com/mikescreditrestoration/info.html |
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doncorleone722001
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Here are the factors that impact your credit rating...Payment history, how long have you had credit, debt to income ratio (for example if you make $30K and your debt is $10K, your debt to income ratio is 33%, you generally want to keep this number under 30%), your debt in relation to your credit lines (are you maxed on your cards, or do you have a lot of available credit), the amount you have available to charge (it's not good to have a lot of credit, the banks view this as a potential to go on a spontaneous shopping spree and rack up a bunch of debt, so close all the account you're not using), in addtion, the number of inquries (don't apply for more credit). Unfortunately, 581 is a low score and it will take some time to improve it. Based on the information in your question, I would guess you had some payment history issues in the not so distant past. I would recommend getting a free copy of your credit report and make sure there's nothing on there that shouldn't be on there. Other than that, you're looking at holding off on getting the loan, or going for a high interest loan and refinancing when your credit is cleaned up. |
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nabdullah2001
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You may want to hold off buying right now and get your credit up and check your credit report which you can get all three bureau reports for free at www.annualcreditreport.com. Keep your credit card debt at zero and let your down payment accrude interest so you push it up to 20% so you can cut your notes down even more. The last thing you need is a high loan because of your low credit score. Don't allow the loan companies to review your credit because it will lower your score by several points. Just try and get your score and down payment up to 20-21% so you got at least close to half the money to put down on a house. Hope that helps. |
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Luckys Charm
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If i were you i would find a friend or relative that has good credit and have an account that you could piggyback off off. Your score would go up instantly cause it would give you a credit history as well as on time payments. Especially if they have accounts that they dont max out the cards.
GOOD LUCK7 |
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bareftnga
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A more exceptable credit score when financing a house is 700-750.
Ways to get your score up is paying alot on credit card accounts, repaying outstanding debts,paying on time & contacting old creditors if you have unpaid accounts that have been turned over to 3rd party collections.
Our credit haunts us for a long time if ignored.
You can check thru your state website in housing and can find out about Fannie Mae & Freddie Mac financing.
Good Luck,stay positive and keep the dream to be a home owner. |
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bella_4624_19
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if you have no bad debit then you score should be over 581. with a 581, you should look at your credit report because with that score you probably have some accounts in collections. you should think about paying the collections before you apply for the mortgage loan. |
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tonalc1
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You could pay off your debts; however, between now and January your score wouldn't change much. |
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kja63
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Reduce your debt to income ratio. Make more than the minimum payments on all outstanding debt. Close any accounts that are not in use. Refuse to sign up for more accounts. Restrict credit inquiries on your account. Never pay late. |
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yasmin
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very very convient for alot of people who cannot handle cash...our world is made of plastic....today |
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Wendy Jean
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My husband and I bought a house with his credit score at 590 and mine at 540! We did a balloon note with a fixed interest rate of 7.5% for five years, then after the five years we can refinance the remaining balance. We paid 20% down, plus the closing cost. In total we paid out of pocket $6000+ a little more. We bought a house for $83,000. We went through our local credit union; banks wouldn't work with us. Now the credit union has all of business, including our company's. And his credit score is 650 and mine is 640. Good Luck! |
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Frank Castle
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Apply for more credit cards (Just don't use them) |
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womam12
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what do you mean by credit score, is the US you are talking about and if it is good luck as dont understand!! |
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