 Looking for a good credit card? |
hey i'm looking for a new credit card, low apr, balance transfers, airfare rewards, you guys got any good ones?
thanx
... |
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 How to begin fixing bad credit? |
Needless to say when I was younger I made some bad choices. The two largest things I did wrong was:
1. I deployed to Iraq and forgot to cut off my cell phone, and the bill went up to over ... |
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 I feel like my life is ruined!!!? |
When I was younger my Mom put bills in my name and now at 19 I have bad credit!!
I just called to try and get gas turned on for my new house and they told me I had a $469 bill PLUS a ... |
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 About a loan please help? |
| i am in a little bit of debt i dont have great credit im only 20 and i need a personal loan of $2000 someone please help ... |
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 Is it true that if you pay off collection accounts on your credit report, that it will hurt your score? |
i got a few collection accounts on my credit report that i havent paid.
they are 2 - 3 years old. would it hurt my score if i paid them off? or should i just wait til the 7 years are up.... |
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 What would be the best credit card to reestablish my credit? |
| I am constantly getting denied for the cards I apply for even though I paid all of my debt off and I got approved for one but they wanted and $250.00 payment before I could use it and I said "No ... |
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 Can Sears deny me employment because of my credit after they hired me? |
| I recently got hired by Sears as a cashier....on the condition that I pass the drug test and the background check. I'm not worried about either of those things, I don't do drugs nor have a ... |
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 Can unpaid hospital bills ruin your credit? |
| I have no insurance and recently broke my leg, I am not working and the bills are piling up, the hospital bills are over$ 10.000, and I won't be able to pay that for awhile, and now they are ... |
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 I have been working on my credit score for the past few months trying to get the magic score of 630? |
| I paid everything that can be paid and I am so close to the goal but I don’t know what I can do next. I know time heals all wounds with credit scores but I hoping to get into a house this summer. <... |
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 What if false claim is made by collection agency against you to the credit bureau? |
| Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was ... |
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 Should I file for bankruptcy? |
| I'm 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and ... |
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| How do i establish good credit? im 18 and dont have a credit card, bank account, car.....how do i start? |
I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???
Additional Details
so if not a credit ... |
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 How soon are defaults removed from your credit file/history? |
| How many years are defaults held against you for and when if ever are they removed from your credit history all together? T... |
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 Why do some people have multiple credit cards? |
Also,
Does having multiple credit card affect your credit score?
Is it better to stick with one credit card?... |
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 What is the best solution to repair your credit score? |
| I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.... |
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Patricia F | If I am putting 30-50% down on a home purchase, how will my subprime credit affect mortgage approval? |
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Wonder
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You have have a higher interest rate than someone with a higher FICO score. All other terms should remain the same.
-MM |
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Hoptoad City
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With that typoe of down payment, your credit score should not affect you much. When you go to get a mortgage start by saying you have 20% to put down and then when they give you their lowest rate tall them about putting down the extra money. If you put down 50% you can do a lot. |
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TwinkaTee
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Yes, it will. Even though you have placed a large amount down on the home, you still have a considerable amount of debt that needs to be financed. If you haven't done well with credit in smaller amounts, the bank is going to look negatively at your request for a larger amount. Not to say that you won't get approved, but you will have a harder time |
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jll1881
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Based on my understanding of how credit factors into the equation, I think your credit rating determines what type of interest rate you will get. Also, it may determine which loan programs you qualify for and which ones you don't. |
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ken_ken0730
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With a subprime lender, your rate tends to be a bit higher than if you had a higher credit rating. Since you are putting such a large amount down, then you shouldn't really have any problems finding a lender depending on how low your score is. Subprime lenders are moving away from towards 100% financing, so you definitely have a plus on your side because you are putting money down. |
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Steve L
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If you have that much cash, maybe you should consider paying off some of your other dept to improve your credit score. It is ok to have some debt, but too much will lower your raiting.
The Credit score will affect the interest rate that you get. Don't be fooled into paying down the rate by paying more "points" it is better money spent to lower your debt ratio to improve your credit score. |
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too l
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That is what the banks want to see, a large down payment. Try FHA for the lower rates...... |
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Pokrzywa
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I have no idea. |
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