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WaM... |
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 How long do CCJ's stay on your record and how long do you have to keep debt free before it's completely clean |
Additional Details
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Orchid0307 | If you are participating in a credit counseling service, can you buy a house? |
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PepsiLime
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Sure, but don't be surprised if you can't get a lender until you get your finances straightened out. |
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Debt Guru
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In most cases its not that the credit counseling service is blocking you its that most mortgage companies view credit card counseling worse than a bankruptcy because you still have the outstanding debt and you are using a 3rd party to pay your bills for you. The only thing that could help at this point if your going to need to buy a house is either to get out of debt by paying extra or with the assistance of a debt settlement company.
Debt settlement details can be found at http://www.fdnsolutions.com |
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ZinaRae
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The simple and direct answer to your question is NO!!!!!!!!!!!!!!!!!!! |
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SPIFIMAN1
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It will depend on the credit counseling company you are with and the lender.
Some services do not allow their customers to take on any additional debt until they have cleared their existing debt. This could cause you to be discharged from your counseling service.
It's very hard to get approved for any type of loan when you are in credit counseling.
If you do, expect higher then normal interest rates and fees. |
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Dzo
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Hi,
Yes, you can. Getting a loan even with bad credit history is not difficult these days if your lender is convinced about your ability to repay. You can visit http://www.fundsleader.info and get some useful tips on home mortgage. Good luck! |
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wilderwriter
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I presume that the reason you are working with such a "service" is that you have gotten your credit in a mess. But, depending on how much money you have to "put down" on the house, you still MIGHT be able to get a mortgage. The odds are not good, mind you, but you won't know unless you try. You can apply for a mortgage without having signed a contract on any specific house, so that should be a way for you to find out your own, real answer. |
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sarge927
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Can't speak for all credit counseling services, but when my wife and I went through Consumer Credit Counseling Service of Ventura County, California, we were told that we could not have ANY new credit until all the bills they were handling for us were paid in full. They made it very clear that we could not finance a house, a car, or any type of student loan, nor could we get any other credit cards or apply for credit for anything like furniture or appliances or rent-to-own or anything like that. I suggest you check with your credit counseling service before you even look into buying a home. |
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sajith
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http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out! |
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iceman
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Yeah, you could.
But its never advisable to buy a house until you are finacially sqaured away.And thats what any reputable financial expert would tell you. There are always banks looking to finance high credit risks. And people are so desperate they will pay and interest rate you get it. |
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