 What credit card is best for me? |
| I am a 21 year old Junior In college with little credit. I have less than 15000 in school loans. Do i want cash back, points? I know of ppl that were late and thier interest shot through the roof?... |
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 If I do a balance transfer to just one credit card from 2 will it hurt my credit? |
| I recently got 3 low balance high interest rate cards. I got approved for $750 recently which was the highest and it has 0% for 12 months. Obviously I want to do a balance transfer but I am afraid ... |
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 What is the best Credit card? |
| What is the best Credit card offer out there for someone with good credit & pay history. I'm looking for something with low fixed interest and a points reward system... recommendations?... |
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 A cr. card company suing us in small claims court for a debt that is not on our credit report? Can they win? |
Additional Details
My fiance' doesn't even know if this is his debt? Since it is not on his report- how can we know? How could the collector prove that? I mean, it is pretty ... |
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 What's a good credit card for a 21 year old? |
I'm 21, and looking to build credit.
I'd like to apply for a card today, but first I thought I'd ask all of you which cards you would suggest for me. What's a good, reliable ... |
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 Does having too many credit cards have a negative affect on your credit score? |
| I have 2 major credit cards (one visa, and one mastercard), 1 debit card with the mastercard logo (I'm not sure if it's techinically a credit card, I don't think it is), and 3 credit ... |
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 I'm being charged a late fee on my credit card. Is this even a reason to be charged? Any advise? |
| I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything ... |
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 I need Help!! I have bad debt!? |
| I would llike to obtalin a loan to pay off all of my debt an no lender is willing to give me a chance. When I first turned 18 years old i was careless ran my credit cards and uitility bills up and ... |
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 I have claimed back bank charges from my bank? |
| i have claimed back bank charges from my bank,totalling £1250 and they have sent me a letter offering me £725 as a gesture of goodwill that they will credit to my account if i accept it.However i ... |
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 What is the best way to build ur credit score? |
| I have minor stuff in collection and ive been told that it doesnt effect me much. should i pay it off? would that improve my credit score after its been in collection?... |
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 I have not so good credit my credit score is 593 and I want a credit card for the holidays? |
| Is there anything I can do to get a guareented credit card or a company that is willing to offer one to someone with my score... my credit report only has medical bills and 1 $50.00 blockbuster thing ... |
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 I am thinking about cancelling some of my credit cards, will that affect my credit? |
| i have a couple of cards, but am thinking about cancelling one or two, both of them are paid off. will that affect my credit in any way? my score is already at a low 568. i am trying to increase it.... |
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 Still on collection report after 7 year period (1999)? |
Ok.. was reviewing my credit reports and found numerous debts that are passed the "7 year mark", however they still appear on all 3 CRA (Equifax,Experian and Transunion).
What is the ... |
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 Is it true that when you marry someone you both have the same credit score? |
| Okay.. I have worked really hard to get my credit right. The guy i'm about to marry has bad bad credit. Is it true that when we get married, I'll also have bad credit , the same credit that ... |
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 Does it wreck you credit score to switch from one 0APR credit card to another when 0% runs out? |
| i.e. have your balance transferred from one 0% APR to another 0% APR card and then closing the first card out.... |
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Just Wondering | Why can u buy a house with bad credit but not refinance a house with good credit? |
I have been trying to refinance my house for 2 or 3 months now. I have a credit score of 684. I have never had any late payments on my mortgage. Why can't I get my house refinanced? |
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amy23
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It doesn't sound like you should be turned down. Unless your debt to income is bad. Debt to income is the amount you bring in vs. the amount you pay out in bills. If a lender feels that you are currently unable to pay your obligations, they may not be wililng to take on your loan as a refinance. If this is the problem, you may need to talk to lenders about consolidating your debt with your refinance to lower your overall monthly payments. Since your credit score is good, this should be an option for you. |
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kelly h
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There are more factors that go into buying or refinancing a house then just a good credit score.
People get turned down for any number of reasons. Just a few are because house isn't appraising high enough, the person has too much debt, not enough job time, they could have tax liens and on and on. Some lenders won't approve the loan if the borrower has a large prepayment penalty on their current mortgage or if there is no true benefit to the borrower to refinance.
You don't say who you have been trying to get the refinance with. By law, if you are turned down for a credit, you are supposed to be sent a denial letter telling you why you were denied the loan. Have you not received these letters?
In any case, the best way to get a mortgage, is to find a mortgage broker in your area and let him handle it. You obviously have something in your circumstances keeping you from getting the refinance. A broker can probably help you with whatever it is. Don't go through your bank because banks have much tougher guidelines that they go by. Also, I wouldn't try to go on line and apply for a mortgage either. They won't take the time to help you that a local broker will.
If you get denied again, ask the broker why you have been denied. You need to find out what the problem is, so that you can work on correcting the problem. |
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insureman613
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Maybe you aren't trying with the right places!. You should try to apply with eloan, they will do the best job with it. They have a promotion now, If you use this link http://www.tkqlhce.com/click-2177451-10427742 they will waive the lender fees. |
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Carly C
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Are you underwater? I'm not sure why you are having that problem. Try looking first for information on a neutral site like http://refinance-and-loans.com/ and also consider state issues. |
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the dream
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There are lots of factors including debt to income ratio but also loan to value ration which could be thrown off in a slumping housing market. If the market is down, it is hard to get comparable appraisals to justify what we want your house to be worth. You may need to check into creative financing including hard money lending. There is a free situation evaluation form at
www.totaldebtsolutionsllc.com |
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wnichols00
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It is probally the lack of equity you have in the property. With that fico score you can refinance up to 100% of your current value. Find out what the value of your property is and divide the new loan amount / by current value you should most likely want to be below 80% but can go up to 100% |
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Knowledge is good.
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If you have good credit and a good payment history there shouldn't be a problem.
Maybe you should ask the banks that are turning you down what the reason is. |
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kevingeorgecampbell
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You sound more than qualiified, so the only real reason is that your not working with a lender or broker that knows what they are doing.Your situation is not uncommon and it is a result of so many people entering the loan business in the last two years.
If you have a 684 credit score there are lenders that will work with you regardless of what's actually in your credit report or what your income is. In fact, there are lenders that will refinance your mortgage even if you owe more than what your home is worth. They will even go up to 125% of your homes value.
The only question that you need to ask yourself is not whether you can qualify, because you can. The question is whether the loan you can qualify for will actually benefit your situation.
1st:
You have to consider whether your refinancing to lower your payment or if is to get cash-out.
Cash-Out:
If it is to get cash-out, then you will have to consider if the cost of getting the cash is more or less than the cash itself. You should also consider whether getting the cash will allow you to accomplish your long term financial goals. It may make more sense to forego the cash and save up for what you need instead.
Lower Payment:
If you are looking for a lower payment then you should take a close look at the term of the new loan that you will get. Beware of exotic loans that have a lower initial rate that might come back to haunt you later on. this may still be a good option but you hve to consider how long you'll be in this home and what the market may look like in the future.
If all this sounds daunting you can feel free to give me a call to go over everything the right way. Email me and i will be sure to give you all of my information. |
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gabriel s
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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my avatar's hot!
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Your debt ratios must be off... they won't go over 50% total debt load. Try this... tell them you'll pay off some of your bills with the re-fi money that's available. That should change your ratios to make it doable.
Call this guy, I LOVE him!! If he can't get your loan through it can't be done. This company does mortgages in almost every state in the country.
Alex Kim
Sunlight Capital
Commercial & Residential Mortgage
Front Office: 800-990-8011 Ext 102 |
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pokerplayer528
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Different things trigger bad responses from different lenders. The following site has an easy form to see if you qualify. I know they specialize in weak debt to income ratios. Good Luck to you. |
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