 Is $3700 a lot in credit card debt? |
| My husband and I make around $80,000 a year and have 2 kids. He recently found out that I had credit card debt of $3700 and is livid. I don't think that is a high amount and believe most ... |
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 How do I go about getting a credit report if I do not have a credit card? |
Additional Details
I think I need to write to experian but what information do they need? Obviously I just through to a machine which cuts me off when I have not chosen from any of the ... |
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 Can I get a credit card if im under 18? |
Is there any credit card I can get if I'm under 18?
$0 annual fee.
Thanks.... |
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 Need help applying for a credit card? |
I am a college student and am considering getting my first credit card now. Is there any way to guarantee a credit approval?
I get financial aid paying for my college tuition. I work part-time ... |
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 What happens if you are 1 day late on your credit card payment? |
| Does it get reported to the credit agencies (equifax/transunion/experian)? I also had other late payments in the past for 1-2 days...but never over 90 days.....i'd say i'd been late about 3... |
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 Has anyone ever heard of north point lending services they asked me to send money for a loan??? |
| This comapny with this phone number 888-813-5726 told me i was approved for a loan of 20,000 and that they deal with bank of amercia but that my credit was bad and they have a private lender and i ... |
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| Capital One is killing my credit for no reason? |
| I have never hard or applied for a CapitalOne credit card - as a mater of fact, I don't even use a credit card but yet since Dec 12/12/2004, CapitalOne has requested/accessed my credit report ... |
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 Can collections agents call your relatives? |
A person representing Wells Fargo contacted my dad when she was unable to reach me. I am wondering what his rights are as far as being able to tell the person to not call him again.
Additional D... |
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 Capital one credit card? |
| I recieved another credit card offer from Capital One, I usally tear them up and throw them away. But this time I thought it would be a good idea to try it out because I want to get my credit started.... |
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 Can you help me get out of my massive credit card debt? |
| I have about 7500 in credit card debt. I know this may not seem like a lot to some people, but I'm only 24 and I bought a truck that I probably shouldn't have and the payments on that are ... |
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 How long can creditors go after you for an unpaid debt? |
| My boyfriend got a letter from credit card that he owed money from 8 or 9 years ago. I have the same credit card, and I am worried if we were to join finances like we talked about that the company ... |
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 Question about credit cards...please read!!? |
| My husband and I were in a lot of credit card debt, about 11,000 dollars. We recently acquired some money and are able to pay off all of our credit card debt. We have three cards; my husband wants ... |
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| How far can a collection agency go to collect a debt? |
I lost all , have no assets, and am being sued by collection agencies. No job and on disability. can they attach my account ??
Additional Details
no house,job,assets, on disability. debt ... |
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 Keep 'em open or close them? |
| I got into some financial trouble in 2002, and ended up declaring bankruptcy in 2004. Ever since then I've tried to manage my debts carefully, build up my credit (it's at about 660-670 now)... |
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Jimmy B | Is possible to a get home loan with verity bad credit? |
IHAVE AJOB AND SMALL DOWN PAYMENT BUT CREDIT IS NO GOOD |
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Lonewolf
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I hope you're joking. |
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Paul in San Diego
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Then you better have a hefty down payment.
If you have poor credit, the lenders will require a larger down payment, they will charge you more points (loan origination fee), and higher interest rates.
Lenders weren't doing this recently, which is why the sub-prime mortgage market went under. Lenders were letting people with bad credit qualify for these adjustable loans with very low teaser rates, but that ballooned up a few points after a year or two. That shot up their mortgage payments to where they couldn't afford them any longer and they just let their house go into foreclosure. Then, since the mortgage companies had to sell the house at auction to get their money back, they took a loss.
That's why someone with poor credit has to pay so much more up front and pays higher interest rates these days. You can get a home loan with bad credit. It's just going to cost you a lot more than it would have a couple of years ago. |
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Gary H
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Don't lose hope if you're looking to buy a home. There are so many different ways to fund a home now, just about anyone with any kind of credit can get into a home, regardless of credit situation.
Of course, some will cost you more money in the long run, but a home it's still one of the best investments that you can make, so, in many cases, it's worth it, especially for the first year of ownership.
You should shop around, and ask different lenders what kind of programs they have, and if they can help. Try to find a lender that specializes in bad credit mortgages. You can find some bad credit mortgage lenders listed on this page on and off:
http://www.axalda.info/bad-credit-mortgage.html |
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Lianne
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No you will especially now with the mortgage crisis that has been going on. Mortgage companies are going out of business left and right due to subprime lending and it's become harder for even people with average and better credit to get a mortgage so forget it. Put off the house for a while and in that time work on boosting your credit score and bulking up your downpayment.
This is something you should do even if it were possible to get a loan with your credit because if anyone were to give you a loan on bad credit it would be at relatively astronomical interest and could cost you MANY extra tens of thousands of dollars over the life of the loan than if you had a better score. |
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beauty s
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umm yeah, but u may have a high rate |
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