 What is your jobb?...? |
Ook i'm nearly 16, so i dont have a full time job yet.
But what do you do? Do you like it?
x
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Lol, i know job has only one b, i needed to ... |
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 What are my chances of getting a private student loan or a mortgage with these scores.? |
TRANSUNION 622
EXPERIAN 554
EQUIFAX 593
between my two jobs i make about 2500 a month. no big obligations except a rent of 674 per month.... |
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 Are children responsible for parents debt? |
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My parents have fallen into great debt, as they always have been. I have put myself through university, and have been working since I was 12, to pay for clothes, ... |
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 I see that about £6000 has been taken out of my bank account in an act of fraud- what should I do? |
This has happened before with this bank so I'm thinking of switching banks.
I stupidly did follow an email and fill in all my details which (in retrospect) probably was the cause- can ... |
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 I don't know what to do about my credit card... pls help..? |
I have one credit card and no other "bad" debt. I have a mortgage, 2 paid off cars and such... my credit has been great.
Last yr my 2 children had a combined 7 surgeries and ... |
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 If I ask collections to remove an item from my credit after it is paid in full, legally can they do that? |
| I was told "you should negotiate that any payment you make will not just be "settlement in full", but that they agree to completely remove the collection from your credit report."<... |
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 My cell phone bill and harrassing collection agency? |
| Ok, i have a cell phone bill from 2005 that i have not paid, and it's not because iam not responsible, it's because i feel this company had been ripping me off, everytime i got my bill and ... |
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 I am in debt about 12 thousand and need help? |
| I wanted to know if there were any companies out there who help me get rid of debt or at least help with my credit score. I am in my last year of college and I do not have anymore money for school. I ... |
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| I recently got a credit card for the first time and I was wondering how does it work? |
| for example I have a $500 spending limit which I have spent when will I get the $500 back do I have to pay it back first or ... |
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| Do Collections/Charge-Offs really just simply fall off a credit report in 7 years? |
| I have done a lot of internet browsing and reading on the subject and it seems that half say yes, and half say no. I am looking for an official answer on the topic. I have a few debts from my early 20... |
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| How many credit cards do you have? ? |
| I was just wondering how many credit cards people have? I have one, but I read somewhere it's good to have more than one. Is there any advantage of having more than one credit card?... |
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 How would you deal with this Collection Agency Problem? |
| I have recently obtained my Annual Credit Report from the Big three Credit Bureaus. This is a similar question to that posted a few days ago by another user. My credit report shows no deliquent ... |
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 Credit Card Reform is Needed by the U.S. Economy? |
I am wondering if anyone agrees that the credit card industry needs to be drastically reformed in this country to combat our recent economic dilemna.
I have watched all presedential debates on ... |
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 Subscription Cancellation, Why is it so difficult to achieve? |
| This is the third attempt to cancellation my subscription. My credit card bill was received today and as I feared my renewal was charged to my credit card. What do I have to do to receive credit for ... |
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alatoruk | Mortgage for Discharged Bankrupt? |
I am a discharged bankrupt (2.5 years clear now) but had the house I was buying at that time included in the bankruptcy, so it was technically re-possed and any shortfall added to the bankruptcy.
I now live down south and dont think im going to be able to afford more than a shoe box anyway, but assuming I can, who should I talk to about a mortgage.
Ideally I need someone sympathetic to my poor credit history who doesnt want a stupid deposit, because down here even 5% is going to set me back 10K.
Additional Details
please name names, telling me you got a 95% mortgage doesnt help if you dont tell me WHO WITH |
 |
 
seantyrer123
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Hi there,
It is possible to obtain a mortgage as a discharged bankrupt yes. You will need to consult a specialist mortgage consultant however. I know that a specialist consultant will answer questions about mortgage products on a section of the Myvesta advice forum. I will add the link below for you.
http://myvesta.org.uk/forum/viewforum.php?f=12&sid=aa605a6bff28759984cce5392bccb197
Hope this helps! |
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Brian H
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Mortgage companies are pretty forgiving when it comes to lending money to someone who's filed bankruptcy. In fact, after bankruptcy, it's actually easier to get a mortgage on a new home than get approved for an unsecured credit card.
As long as your middle FICO credit score is 580 or above you will qualify for mortgage financing with no money down...just maybe not at the interest rate and terms you want. (This assumes you haven't had a foreclosure in the last 24 months and you have a good payment history since your discharge.)
To get better terms and a lower interest rate, you need a higher middle credit score. A middle score of 600 will give you a lower interest rate and better terms. (This assumes you haven't had a foreclosure in the last 12 months.) A middle score of 620 or above opens up even better options once you have two years after discharge.
See below website for much more information about recovering from bankruptcy. |
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Dark_Mushroom
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its bad I'm afraid fella I'm 4 years down the line and the only credit I have is from a catalogue who gave it to me by mistake, (after I kicked up stink after the sent me an email, accepting me then changed their mind but i got them to honour the email.)
Have tried loans, mortgages, debt repair. I've lost count of the amount of times I've paid brokers an "admin" fee who have assured me they can get me loan but it all comes to nothing.
The sad thing is my partner and I are now on 80k between us (with hardly any outgoings) and nobody will touch us with a barge pole.
All down to banks etc giving a teenager £thousands to waste, If I knew then what I know now. I would never had done it. I would have tried harder to come to arrangements with creditors (I had a bad accident in my late teens and was unable to work for 7 months) |
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DTDTDT
 |
You will be able to get a mortgage at 95% but it will be more expensive. 5% can be from Vendor or Builder on new build with some lenders. I arrange such and can refer you to an IFA if you prefer. NO upfront admin fees so you can have a free informal discussion if you wish. |
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Conor
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Deposit is´nt a problem getting a mortgage is, i was in the same position and could´nt get a morgage even after being clear for 8 years, the first thing you need to do is re-build your credit rating again, this i did by taking out a store card and just buying something cheap each month like a shirt or tie then as soon as i got the statement paid it off in cash without fail, after 2 more years of this i was able to re-apply for a mortgage, and the deposit for the new home was 5% good luck |
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asajous
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Contact me, I'll take a look and advise you for free. |
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MARTIN D
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Apply online at www.surefirefinance.co.uk they can get back to you with an offer. |
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voodoobluesman
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I can help, as I have a number of specialist lenders that will do up to 95% and some with a vendor's gifted deposit. Let me know if you'd like me to help and I'll do my best for you. |
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mazziatplay
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With 2 and a half years passed since your bankruptcy discharge, you are now eligible for FHA financing as long as you have reestablished good credit. That is the good news. The bad news is that unless you want to pay a preposterously high interest rate and deal with the possibility of pre-payment penalties and high closing costs, you will need to have approximately 3% of your sales price for a down payment and, unless you have a motivated seller who will agree to participate in a seller subsidized grant program, your closing costs.
I am certain there are lenders out there who will finance a 100% purchase for you but don't expect to get it for a reasonable price or on favorable terms. |
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