 I need a car, but have bad credit? |
| My credit is not great because I just left school, so I have a lot of open loans. I really need to get a car. I have a perfect driving record and a steady job, and I can afford monthly payments. Is ... |
|
 What is the best credit card? |
| I have $2400 on a 0APR credit card that is about to change to 9.99% Should I pay it off (My money market is now paying 1.64%) or find a balance transfer card? What I have found is 0APR for 12 months, ... |
|
 Which is worse,a bad credit history, or a bancruptcy with perfect credit since? |
| Which produces a better credit score more quickly, a history of bad credit, with everything being paid on time in the last year, or filing bancruptcy to eliminate past bad entries, and then re-... |
|
| I am owed money by a company they are saying they are not paying me as they have not been paid what can i do ? |
| i tiled some flats for them i did supply materials they have had my inv for 2/3 month now i know they have not paid 5 or 6 other ... |
|
 Can you get cashback on a credit card? |
OK so money is REALLY low right now, and I had a thought of going into a shop and buying some random thing so I can get cashback from it.
But.... there is basically sod all in my current ... |
|
 Debit card statement says I spent £53.43 at the Co-Op. No idea what on. How 2 find out what I spent money on? |
| I want to find out what it is I spent that money on because I have no recolection. It was the 6th Nov. I Know that on that day or near that day I bought hair bands paying by card in Claires A... |
|
 My gf wants 500-750 for credit card bill. I offer 200. She does hang up phone when i offer that low.? |
| She is like i need you to support me. That is not very much. I possibly talked about borrowing 750, SHe also wants to borrow my computer to get her busienss goin.... |
|
 Jail time for payday loan in CALIFORNIA and now live in AZ? Help!!? |
| We just got a call today threatning my husband with a warrant for jail time for a payday loan taken out in California 4 years ago! We now live in AZ. We are just now getting over having serious ... |
|
 Over the last 9 years I have managed to rack up substantial unsecured credit card debt. I do not have any? |
| assets, other than the $5000 of equity of my house. If I just stop paying my credit cards, and wait out the statue of limitations, will the debt go away, regarding the credit cards? I live in the S... |
|
 Do credit cards without balances affect your credit report? |
| Is it true that your credit is affected not only by the credit cards with balances but also those without balances??... |
|
 How likely is it the person will be caught using my credit card? |
| It's been almost 2 months since my card got stolen at a party. I actually don't remember if it was debit or credit. The person made a purchase of about 100 dollars at Target. I forgive the ... |
|
 I'm 18 and work but have no credit yet. How DO I establish credit? ? |
| It seems as if the credit card companies want you to have credit to obtain a credit card...but I'm just starting out and have no credit yet. Now what?... |
|
 What are a few key ways to bring up my credit score.? |
| I've let some things go in the past and I'd like to buy a house in about nine months. What can I do in those nine months to boost my score, if only by a bit? I do not want to go to drastic ... |
|
 What caused the Credit Crunch? |
| As i said above what caused it?... |
|
| How can I build credit? |
| I've never borrowed money or used a credit card b/c I always believed you shouldn't buy things you can't pay for. I never bought anything til I had enough money saved to pay in full. ... |
|
|  |
colimex06 | Will it be difficult to buy a home if i have excellent credit and not have a job.? |
i hate my job and i like to quit. but i also want o buy a home in the next six months . need ideas on how to make this work for me. |
 |
 
SPIFIMAN1
 |
Get the home loan first and then find a new job before you quit your current one.
No one will give you a loan if you don't have a job. |
|
dracomalfoy_wants_harrypotter
|
Quit your job after you have started making payments on the home. Or get a new job and don't buy a new home until you have a job. |
|
Strategic Sourcing Expert
|
You should get the mortgage approved and finalized before you quit. Though, it is a really dumb move to buy a new home without a job. |
|
Sarah
|
Regardless of your great credit, buying a home will be extremely difficult (if not impossible) if you have no job. I recently just bought a car with excellent credit, but I had to make sure that I stayed at my current job (even though I hate it) until after I had the vehicle. So if it's hard to get a car while you're in-between jobs, then it will be very difficult to get a house. To a realtor and the bank that loans you the money for the mortgage, no job means no income, and you're too high of a risk (even with good credit). They have no idea how long you will be out of work, and so they're not going to risk you missing payments because of no job. |
|
customcat2000
|
You should secure the home loan first. Even if you have good credit and a job, they will still look at your stability factor. If you've just switched jobs, or have switched jobs a lot, it will be viewed as a risk to them. |
|
racecarreal
|
with almost any type of loan you need proof 2 years employment.....so yeah dont think about it or win the lottery |
|
Spirited Virgo
 |
Keep your job until you get the house. However, you may want to have another job lined up so you don't foreclose. With great credit you can get one of those No Doc loans but I hear they're not a good idea. |
|
Wise Credit
 |
Hello,
YES, But it can be done if your credit is as ggod as you say it is. I would research "stated income loans" Make sure can make the payments and ask a banker about them.
Stated income loans are given more on credit score than income.
Any bank loaning you money will want to know how you are going to pay them back. so you might want to give that some thought.
Good Luck and don't default because it makes intrest rates go up. |
|
momma b
 |
Find a new job before you quit and try to find one with better pay and it shouldn't be a problem |
|
professortig
 |
Either don't quit your job or find a new one before you do. No bank will give you a loan for a house if you are unemployed. |
|
David M
|
Not an true expert, but, my understanding is income is very important unless you have big savings to play with. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 26 minutes(s) ago
| | | |
9 | 48 minutes(s) ago
| | | |
11 | 51 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
11 | 3 day(s) ago
| | | |
11 | 2 week(s) ago
| | | |
11 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
