 Is 11% a bad interest rate used 2007 SUV?......Refinance? |
| I bought a used 2007 chevy trailblazer with 12k miles. (I'm out of the country alot so I probably won't put more than 6k on it a year) The sale price was 21k and the payments are 400 per ... |
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 If a payment was made 10 years ago on a debt does this limitation still apply ? |
| the limitation on debt collection is 6 years yes,, if a payment was made does the 6 year limitation still ... |
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 I am 13 going to be 14 can i have a prepaid mastercard? |
i am 13 going to be 14 can i have a prepaid mastercard if i can can i by anything with it like tv speakers compouet etc..
do i have to pay evry ... |
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 Which will get you a better credit score? |
| Ok. This is killing me. I am 19 and have only had a credit card for one year (almost exactly). I have lived on my own since 18, but never had a car payment (I paid my car in full). So I only have one ... |
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 Does anyone know a non-fraud debt consolidation company that i could use? |
15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt.
All im trying to do is consolidate my CC debt. The rest i will deal ... |
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 Free credit report???? |
| What is a site that gives you your credit report for free and is not a scam?... |
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 I have gotten myself into debt bc I am stupid!? |
| I have gotten myself into credit card debt its not really bad but it is bc I cannt afford it right now. ITs about 6 thousand dollars. I want to know what my options are if I have any that could help ... |
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 What are some good store credit cards? |
| Doesn't have to be a visa,or master card and whatnot. Just a cute store that offers a card. I've already got Macys,Dillards,and Victorias Secerts under my belt...but WHAT ELES!?... |
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 Credit report....? |
| I check my credit report online regularly as I am trying to pay off my credit cards and improve it so that I can start thinking ahead to the future, when I'll want to start buying my own house ... |
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 Is This The Truth, Or Just A Scare Tactic? |
| Are rental car companies pretty good about accepting the collision damage waiver that is provided with a credit card? I found out today that my credit card that I will be renting a car with, offers ... |
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 Is 800 really that hard? |
| For some reason I can't reach that..I'm 792 TU, EQ 785 Ex 766.....there is NOTHING bad, ZERO debt...perfect pay 30 plus year history ... |
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 Credit cards!? |
| ok my credit isnt great..isnt bad..just establishing..wheres a good place to apply...and noo fake ones please..... |
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 Mom wants me to pay 500 dollars of her credit bill because intrest is so high? |
| She has a card with like a 470 something balance with a really high interest, and she keeps asking me to pay it with my card so that she can stop paying the high interest and the annunal fee that ... |
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 How do I negotiate a the best payoff of a credit card? |
| I have some capital 1 credit cards that are in collection and I am ready to negotiate a settlement. Are there ways to get the best percentage or do the collection agencies have a bottom line they ... |
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 Does getting your credit checked do anything to your credit score? |
| I'm about to start looking for a new vehicle and also a new apartment. I've heard that when your credit report is looked up, this brings it down. I may be dumb for asking this question, ... |
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 Want to check credit score, Whats the cheepest way to get your score? |
I know there are three places to get your score from but I've see websites that get your score from all three places for a discount.
Does anyone have any recommendations on where or ... |
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 Rebuilding bad credit. and credit cards? |
| I am slowly rebuiling my credit after making some really stupid choices in college. I closed all my credit cards.Oops! Now I have a great job and I pay all my bills on time. But its repairing my ... |
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Katie B | Very poor credit and makes 50K--Fiancee has great credit and makes over 400K-Will lenders look at both scores? |
I have very poor credit because of some embarrassing mistakes I made with credit cards. I am trying to rectify this, but am getting married in the next year to a man with fantastic credit. I make 50K per year, but he makes over 400K. I know that lenders usually look at both incomes and credit scores when applying jointly, but since his income and score is so high--will they even look at mine? |
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Ginger R
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Wedding vows do not automatically ruin anyone's good credit. Unfortunately for Mr. Poor Credit, they don't automatically improve anyone's creditworthiness, either.
That can change if our couple decides to share financial accounts. After all, marriage means not just love and companionship, but also mortgages and joint checking accounts. The bad behavior of one spouse can start to affect the other if they rush to merge their financial lives without first cleaning up any past credit transgressions or mending the problems that led them to a checkered credit history in the first place.
Although it may sound heartless, maintaining some financial distance for a while might help a couple in the long run
Past credit problems can be the result of a job or health emergency that threw someone's financial life into turmoil. On the other hand, they can be a sign of irresponsibility
Mrs. Good Credit might want to postpone creating any joint accounts or adding her husband to her credit cards. Any late payments or other misdeeds occurring on joint accounts will show up on both spouses' credit reports. She will also be just as liable for any debts incurred on those accounts, even if her husband's the spendthrift. |
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not here
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Yes they will, which may drive up his interest rate. |
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my16paws
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Simple solution... When borrowing DO NOT apply jointly. Given your husbands salary 400K and his good rating there should be no reason to need your numbers to help the score. A family income of 400,000 vs 450,000 is not a difference at that level.
Over the next few years work on improving your score. |
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N K
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you can put your name and his name on the house and let him be the only one to borrow money in his name. One thing you can do is let him buy the house with his credit and his name and add your name to the deed of the house later. If he makes over $400k and has fantastic credit, it shouldnt be a problem. Most lenders will bend over backwards to give you guys a loan.
Now only if I were so lucky to marry someone who makes 400k :) |
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mom2babycolin
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If you try to apply jointly, yours will pull his way down. It's best if he applies for all the credit. Maybe you should work on your credit score some on your own, with a small high interest rate card that you pay completely off every month for some regular monthly expense (like the cable bill or whatever, just pay it from the bank to the card after it's charged).
Luckily, most lenders will work it so his name is the main on everything anyway. |
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boilerette72
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What they said... don't apply jointly. Improve your own score in the mean time. If you went for a mortgage, only his income would be considered if only he applies. With $400k you could easily get a $1M home at 2.5 times the income. |
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Chad C
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try emailing dave ramsey, he is a financial expert. Its www.daveramsey.com He even has a radio show, call in, you could get on it. I dont think its gonna be an issue at all. The avg salary in the usa is 40 grand a year. Your both above that |
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Niall S
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I am sure with your wages combined, you wil clear the debts off rather quick |
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lea lange
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depends on how the loan application is filled out. i can guess since you mention applying jointly that both names will be on the application. because he has excellent they might approve, because yours is not so good they might decline. might depend on what the loan companies experience has been with loans with a difference between applicants |
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