 Credit check for a job? |
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| There is a debt consolidation company that has a commercial which claims that the average American has 8 credit cards in their wallet. I find this totally ridiculous, and hard to believe. Do you ... |
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| im currently with Scottish power for my gas and elec, and have been unable to keep up with the payments so have a debt of £915 with them(wont bore u with the details). They have now passed me on to ... |
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| Should I settle my debt of pay it in full? |
| I am 10 k in debt and haven't paid on any of it for over a year. I know that if i make a settlement that it will show on my credit just as that and not paid in full. I think i can cut the amount ... |
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It's hard to find the definition. I have looked it up before posting here, but can't find it.
Thanks in advance.
(I do vote best btw)... |
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 When a credit card had "check ID" on the back, what do I need to look for on the license? |
| I know that the face need to match the person, and the name on the credit card needs to match the name on the ID. Is that it? Or do I need to check anything else?... |
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 Hey can anyone tell me where i can get a loan for 3000 dollars please help? |
| hey im unemployed have good reefences but bad credit rating im after a loan of 3000 dollars does anyone know where there a website that will loan me the ... |
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 â–º Whats the best way to build my credit? Right now I have NO credit at all? |
Im 21 and have NO credit.
Im also a college student and have no job (hence no money, lol). I graduate next year (May) and will need an apt and car, but right now I dont have any credit. What ... |
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Okay so I got served papers for an outstanding credit card debit.
The balance is now $6,000, but the credit limit qas $2,000. I had called the company several times to try and set up a ... |
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 Suggest credit card good one? |
| which credit card is good?... |
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 Capital one card? |
| iv just been offered a capital one card and can have up to 2500 pounds say i spent all of that what what kind of payment would they want each month and are capital one a good card company to go with ... |
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 Is it dangerous to give ur credit card number online? |
| ok i have never bought anything online.....but i really want to pre-order the 4th book of twilight series online at amazon.com and they ask for u credit card number over there.........is there any ... |
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| We are trying to clean up our credit scores and are about to come into some money. We know we need to pay off some debt, but are unsure whether to pay off old delinquency's or if it is better ... |
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 I am trying to apply for a loan asap, but i am not on electoral roll..? |
i am really distressed at the moment as i need to borrow money urgently.
please help me, my car is on my name and so are bank statements,
thank ... |
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 Is it a good idea to borrow money? |
| Is it a good Idea to borrow money of your bank, and your friends or family?... |
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 Seriously in debt and living in fear? |
| What are the chances of a couple lasting that are seriously in debt? They have already broken up 3 times in 6 years. They both owe 7 years back payment in taxes plus 60,000 dollars each on other ... |
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 What are the loopholes in which I can make my credit rating erased or much better then they are today? |
| My credit rating is bad, and I don't know what I owe from the past, how do I find out and what to do about my bad credit. I have been told there are loopholes in fixing my bad credit rating, but ... |
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 How does bankruptcy affects cosigners? |
| I am considering filing for bankruptcy, but I have cosigners on equipment I leased for my business. Is there a way to file without involving my cosigners? I would be filing for personal bankruptcy ... |
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Shadow | Who should I go to refinance my house if my credit score is 535.? |
my credit is 535 my first loan is 148000 and second for 42000 and I need to pay some credit cards for 12000 my house is worth 253000 and I make about 3000 a month. Do you know of any companies or websites? |
 |
 
Kokopelli
|
You are probably pretty much out of luck with a credit score that low, and your LTV with a new loan would be around 80% which is probably not going to happen with a score like that. One thing to watch out for: there ARE lenders who will make a loan in cases like this and who are more predatory than anything else. Usually they like to stay at a loan-to-value of around 50%, so when they foreclose they can sell it easily at a relatively low price and get all their fees and profit out of the proceeds of the sale. I personally saw one woman who had obtained a mortgage where the lender had approved a loan such that the total of her mortgage payment (PITI or principal, interest, taxes and insurance) left her precisely $20 of her total monthly income to live on. That's right, she had $20 a month for everything else, all her bills, food, clothes, heating, EVERYTHING. When I came across her she was in foreclosure.
I don't think you want to go through that kind of thing. Plus they kill you with fees which are tacked onto the loan amount and are nothing more than another nail in your coffin.
I used to be a mortgage loan originator and I have seen things like this with my own eyes so I know they happen. |
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hunter2
|
http://countrywidefullspectrumlending.com/index.html
They are subprime refi Kings. |
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MR MONEY
 |
With a credit score below 580, I strongly recommend working on improving your credit instead of refinancing. Fight to pay the minimum payments until you have 6 months of clean credit, then look into a consolidation loan. FHA has a great consolidation loan for people with rough credit and a loan-to-value less than 85%.
Lendingtree.com will be a good source for lenders. They will compete for your business. |
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CALIFORNIA GOLD
|
The 2 individuals who recommended credit repair are on the right track. |
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pooh
|
good luck |
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Todd S
|
Honestly I would wait and get your credit repaired first.
Once you get your score up you'll have plenty of options, and your rate will improve but up to 2% probably. Why not be patient and get a hold of your credit report and figure out ways to resolve your credit problems.
Even if you're paying a higher interest rate now, if you can fix your credit in the coming months, it would be worth it to wait.
Learn about mortgage and credit:
Learn more at http://www.thetruthaboutmortgage.com
Learn more at http://www.thetruthaboutcreditcards.com |
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angeljre
|
My husband is a loan officer for Home Funds Direct. If you want the phone number to contact him email me. They most of the time can get you refinanced with a lower interest rate than other people. |
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Ron B
 |
You will need to go to a mortgage broker. Most banks will not lend directly to you, or will kill you if they do. You are not going to geta great loan with that score, but you should be able to get yourself out of trouble. Where do you live? if you are in CA, WA,TX, or FL, I can help you. Respond to this answer, or call Ron @ 619-379-2063. |
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robert_byrne
|
You should be aware of the following:
1. You can refinance, but expect your rate to be at least 8% for an adjustable mortgage. If you have mortgage lates, expect that rate to go up.
2. You can work on building your credit. Most credit repair companies are little more than scams - there are a few legitimate ones, but it can be tough to determine who is shady. The following will help your credit, but it will take months before you hit a 580:
- timely payments
- paying down individual credit card accounts to 35% of the limit
- limiting credit inquiries
- not opening or closing accounts
3. You have 3 credit scores (from equifax, experian, and trans union). Lenders generally look at the middle credit score - is that 535?
You should find a GOOD broker to work with - as it has been said, you can easily get burned by the wrong lender.
You may want to take a look at the mortgage shopping tips I have listed on my website (it is not an application or sales site): http://www.mortgagemystery.com/mortgage-shopping-tips.html
If you wish, you can contact me directly. |
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Samuel B
 |
Try your parents |
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STEVEN F
|
If you can't find a rate lower that you are paying now, you would be stupid to refinance. On $3000 per month, you can't afford a $235,000 house. DOWNSIZE. Take the $63,000 of equity. Pay the $12,000 in credit cards. Use the remaining $50,000 to buy a home you can afford. |
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snbg@sbcglobal.net
|
Try Prosper.com for some of the debt. Good Luck! |
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roger v
 |
Not gonna be easy at all. |
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worknearn
 |
you can get a better score fast and easy at:
http://worknearn.niesong.hop.clickbank.net/ |
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