 Why are collection agencies still calling? |
| My mom receives 2 to 3 calls a day from collection agencies wanting my sister and we have gave them her new address but they say they cant reach her and they keep bugging my mom everyday. My sister ... |
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 First credit card trying to figure out the game? |
| Im about to recieve a capital one platinum visa. Apr is 19.8%. Im not to worried about that because Im a new resident and have been turned down by everyone . Im happy to finally be approved for ... |
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 Scared to use paypal? |
| im scared 2 use paypal i hav heard really bad things like they freeze ur account. do they freeze your whole amount on your credit card or just the amount they investigate? i have heard some horror ... |
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 Online scam, can someone Help? |
| I just logged on to my online banking and i have a a debit on there for $11.99 From GREATFNNOV. I tried looking this up online but all i can find is TGL GreatFN. Does anyone know or ever heard ... |
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 I co-signed for my little sisters car loan several years ago, which is now in serious default.? |
| My sister lives in Canada, and I'm moving back up shortly. What could be the legal repercussions on her as well as me as a co-signer regarding this debt? If I decided to move back to the USA ... |
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 How much can a debt collection demand from you? |
| I was being sued by a collections company after many hours of reserch to find out who the company was since the company was going by a AKA.I finially reached them by phone I wanted to make payments ... |
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 What credit crunch/recession? |
If everyone did not watch or listen to 24/7 tv/radio to doom and gloom reporting on finance would they:
Just go and buy that new car.?
Have that house Extension built,?
Move house?
... |
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 Credit score of 784 is it good? |
| What does the score do for you?... |
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 Anyone ever been sued for credit card debt??? |
Whats the process like?
I owe capital one $4,000. I will probably have to file for bankruptcy to dodge them or take a vacation out of the country for 5 yrs...... |
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 Best Credit Cards? |
| I have a credit score of 734, Im only 21 so my accounts haven't been open that long. Capital One gave me a fairly large credit line, but i haven't activated it yet, due to the fact that CO ... |
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 I am really scared. I got a number from "2299855545". I feel like it was a scam? |
| They said I won stuff and I will be entered in a drawing. I gave them my Card # and 3 digit # on back, and expiration date. Should I cancel my card?... |
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 $ 20,000 in credit card debt do you recommend I file Ch. 7 bankruptcy??? |
| I had 14 different credit cards charged off 2 years ago for a combined $20,000. The statute of limitations in CA. is 4 yrs so after 2 yrs i finally got a letter from an attorney threatening L... |
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 Bank harassing me over debt and threatning urther charges? |
i have a loan with the bank of scotland. i have had to stop payin it due to financial circumstances and having to help save my home.
i have co-operated fully with the bank from the start ... |
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justin54davis | What does your credit score need to be to get a mortgage? |
I can put down between $20,000 to $40,000 and would like to know what my score has to be to get a mortgage. I live in Texas (if this helps). My credit could be better and is mostly school loans. Does anyone know how to find out your credit score and what is needed? |
 |
 
jlee1224
|
Anyone can probably get a mortgage, given a good down payment. where your credit score comes into play is how good a mortgage rate you'll get. The best scores will now get around 6-7%. Worse scores will get around 9%. Poor scores will go into double digits. |
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P*Kitty
|
usually any credit score will do, however, the lower your credit score the higher your interest rate will be |
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Barak M
 |
It all depends on who you know & how much your trying get. Its usually around 600-620. Thats if you dont have connections or if your trying to get out a lrge loan like 100k |
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*****
|
You can contact one of the credit bureaus who isses credit concumer reports, pay a fee and get a copy of your credit report, which should include your credit score. |
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mrsgb2005
 |
Check with the credit bureas (Transunion etc) and its best to have close to 700 and 800 cause that way you will be putting less down. Look up for World Financial Group offices in your area they could help you out. Putting a large down payment is not good and they will show you why. Some people wont stay in a house more than 3 years. |
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Real Georgian
|
FICO Scores Are They So Important for Getting a Mortgage
By: Joy Cagil
There is a load of good information on this web site. Plus there are companies to explore your options too! |
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STARRLICIOUS
 |
I think banks are a little more understanding if you have school loans. If you have a low credit score you will have a higher interest rate. If you have 20-40 thousand to put on the house you might benefit more by putting some of that money on your student loan. Good luck!! |
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drea
|
Most lenders want your business and they will allow any credit score. However, with old debt and a poor credit score, you may not get approved for as much as you want. Also, your interest rates may be higher.
I suggest getting a mortgage broker to advise you on which lenders are offering the best interest rates. |
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Steve
|
www.Fico.com is a great way to get that number. Generally you must have a score of at least 550. With that kind of down payment , if it is at least 20% of the purchase price, you should be okay. |
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