 I have a quick question about a credit card? |
| ok, lets say you have a credit card with 500 dollars on it, then you spend 100 dollars, you pay back the whole 100 dollars to the credit card company....so do you have the 100 dollars back in your ... |
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 Just filed bankruptcy, when will my credit be better? |
| hello, I just filed for bankruptcy oct 25th, i haven't received my discharge yet , but will be very soon. I was wondering, how long will it take before my credit gets good enough to maybe get a ... |
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 Credit card question... Please read. I'm confused? |
My credit line is 200.. So my bill will be about $20-30. But Interest is 24 %... So will I have to pay Alot more?
It's my first credit card
Also, If I pay in full- Will I ... |
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 Is it possible to go from a near perfect credit score to ZERO in one months time? Cause it happened to us.? |
| My boyfriend has established excellent credit from a young age, he currently has no credit cards. We've been house hunting for YEARS and we are finally close to closing on one, been working with ... |
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 Im only 21 and have bad credit can i get a loan? |
| i have been trying to get a loan for about 7000 but it seems impossable is it?? i messed up bad got into debt to fast is there any place that offers loans with a 498 score or should i give up looking?... |
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 Finance/credit question? |
| I needed a co-signer when I bought my car because my credit wasn’t strong enough. After I bought the car I got laid off and got into debt. My score was like a 580. I just paid off 2 credit cards ... |
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 Would it be a good idea to take out a personal loan to pay off high interest credit card debt? |
| I think Im getting charged about 8.99% intrest on my credit card. What kind of interest would their be for a personal loan? Would that be worth it?... |
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 I dont really get the whole concept of a credit card. |
| how does the whole credit card thing work, how do you use it?... |
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 How to improve credit score |
| I am 21 years old and have credit issues.I looked my credit up and it said i have a 600 (D) rating .I only have hospital bills and one cell phone bill.I haven't had anything else in my name but ... |
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 How can I get out of debt? |
| I am swimming in credit card debt. I've got creditors calling my house and on some cards I can't make the minimum payment. I feel like I will never ever be good with money.... |
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 How should I handle my upside down car loan? |
| I owe 11,000 on my 2007 car that I bought new, it is worth only 8K to sell privately and 7K or less for trade in. Obviously I bought it from a crook of a car salesman while I had bad credit, big ... |
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 Is it easy to get a loan for bussiness (100K)? |
| how can i take out 100 K is it easy and if so what about my credit? pls helpp any general tips would ... |
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 I've had a Capital One card for a Year,When will they raise my limit? |
| Hi..I've had my credit card for a little over a year now,And i have a limit of 500..it was 300 when i first got it..and a couple months latter they raised it to 500.But that has been about 8 ... |
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 What would help my credit score more? Pay off some collections, or pay down credit cards? |
| I have $90 and $160 collection accounts I can pay, or I have about $3000 of credit card debt I could pay a few hundred on maybe. I am trying to pump up my low credit score within the next month or ... |
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 Planning to marry? |
I am planning to marry my long-time companion
here is the problem. He is unemployed due to a disability his credit is really bad owing student loans and IRS. I have a good job and my credit is ... |
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browneyedcutie | Is it possible to buy a home with really BAD credit? |
My husband and I have really bad credit. We both were in previous marriages and that is were it all started. He has a foreclosure on his credit report because his ex decided she wanted to keep the house after they split and then she didn't make the payments so they forclosed on it. This messed him up as well and it shows on his credit report. They almost foreclosed on mine but I was able to sell it before that happened. On my credit report it shows I was late a lot of time. We pay $700.00 a month for rent and that's like throwing money away. We don't know what to do about this. Are mtg companies easy to work with than the bank? I forgot to mention that his first mtg was a VA loan. Will they consider him for a loan again? Does anyone know the answer to this question? |
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Keyon F
 |
I work for United Lenders Group and I work with over 45 different banking companies so I could get you a mortgage loan no matter how bad your credit is or how much in debt you may be
916-860-0804
keyon |
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only-trying2help
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sure http://www.wesayes.com
text from the site"We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required." |
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RainCloud
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It is possible for you to get a home loan, but you really need to show the creditors that you are able to pay your finances by taking out small loans now which will improve your credit score.
There was a similar question asked at http://answers.yahoo.com/question/?qid=20060709190855AAmKlD4 and you should check out the best answer b/c they worked for a mortgage company.
One way or another, virtually every prospective home buyer can find a way to finance his or her purchase. The first step is to get a copy of your credit report and FICO score to check it for accuracy. If there are any errors, correct them with the credit bureaus.
If your credit is less than ideal, the second step is to consider buying a home with a sub-prime mortgage, taking over an existing mortgage, obtaining seller financing, or buying on a lease with option to purchase. |
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Layla Clapton
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You need to call a mortgage company and talk to them. I think you'll be surprised. Even people with past bankruptcies can buy houses. The lower your credit score - the worse deal you're going to get. Meaning, you'll pay a higher interest rate or maybe more up front charges.
I recently went through a similar situation. My line of reasoning was that no matter how bad of a deal I got on my home loan it was better than throwing rent money away by the month because I would be building equity. After a few years of making payments on time, you can always refinance and get a good rate. In the end I was thrilled with the deal I actually did get.
Good Luck! |
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Angyles Cerddoriaeth
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Anyone can get a loan for a house, it just depends on how long the loan will be for and how much you are putting down.
I suggest shopping around, and perhaps trying Lendingtree.com for some quotes. |
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Bors
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If you have a lot of cash to put as a down payment, you can get a loan. You might need as much as 50% down though.
Otherwise, wait and don't generate any more bad credit. Pay your bills on time. It will take about 7 years to get your credit score back up. |
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Anointed to Minister
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If you have desposit in the UK you can. |
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Stuart
 |
Yes, and yes, and yes.
You can get a home loan much more easily than a car loan. A mortgage company will probably want to go to the FHA for a loan guarantee, but, sure, you can get a home loan.
Get pre-approved. That means, choose your mortgage company first. Tell them everything (they'll find out everything anyway, and it saves time - sometimes months of paperwork if you're honest up front) and you'll be able to lock in on the home you WANT, not the home that someone picks for you.
Once you're pre-approved (they'll send you a letter saying, "we'll loan you up to $[some dollar amount]") you know exactly what you can afford, and can target exactly the home you want. Also, being pre-approved, you can go ahead and make an offer and close the sale without losing the house to another buyer while you scramble around trying to get a loan.
Good luck! - Stuart |
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wolfspirit_love
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The person who can answer your question is the one gives the loan. I recommend you go speak to an advisor. It may be possible that you are too high risk, with bad credit, but you need to ask about this, to the right people, to get your answer. |
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thecutelilgirl
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well not sure where you live. But I live in Canada. My husband and I just recently purchased our first home. Like you we also had some troubles on our credit reports. We were able to get a loan through a hugh risk lender. Our intrest rate is higher than a regular bank. we pay 8.25 percent and I think the bank is about 6 percent right now. It is kinda crappy that it is so much higher but it is the only way we could get into the market. Plus after 3 years our bad debts will have fallen off our credit reports and we can take our mortage to another lender for a better intrest rate.
try contacting a lender that will work with Wells Fargo Bank.
Hope this helps, Cheers, Glenda |
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surelycoolgirl
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I say you won't be able to get a home loan with your credit as it stands. When my husband and I applied for one, he had charge offs. We had to pay EVERYTHING that was on his credit report. We finally got financed but at a high interest rate. Good Luck! |
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