 Credit Cards? |
| Hi I have a questions here i lived in Singapore and i have credit problems hence all my credit cards applications was rejected. is there anyway that i can apply a credit card? as i need a card for my ... |
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| Will my check bounch ???? |
| If I was to write a check Sunday would it get to the bank before Tuesday the 3rd ???? can some one please tell ... |
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 How can I get rich?? |
| Im a 25 yr. old girl that is a bartender.....I make ok money but I need something else.... Im struggling I just bought my own house a yr. ago and its 1200 a month. Am I crazy?? I don't want a ... |
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 If I am 18 will I be able to get an auto loan for $6,000? |
| It's been about five months since I've had a job and I just now got my summer job so I will have a paystub in two weeks. I totaled my car and need a new one. My family can afford a car we ... |
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 UK: Are banks into lending peeps money at the mo? |
I've got a "Customer service review" appointment on Saterday I don't want credit but a loan!!:-)
Additional Details
No beer for me till after then!... |
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 I'm getting a new ATM debt card in the mail,it was sent out last Friday 7-20,i need to give my gym the card# |
| I need to give the gym my new card number so that I can pay my dues.I called to leave a message for the buisness manager at the gym.The person who took the message,could transfer me to the person�... |
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 My roommate lost a check I wrote him? |
| I wrote my check for $85 that i owed him...anyway he lost it somewhere and wants me to write him another one...i have no problem with this I trust him completely so i dont care about that...what I am ... |
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 Need to find way to make money.? |
Hey.
I'm a 15 year old kid who is trying to save up for a car kit. The car kit cost's $25,000 total, and I've been trying to figure out how to make that much money in 1 and ... |
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 Why is the cost of living so damn expensive? |
| my mom told me that back in the day she was able to afford a two bedroom apartment and pay all of her bills making $86 a week. Here i am making $300 a week and i cant even afford to live in a studio ... |
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 Where's the best place for my money right now? |
| I have a small amount of savings that I want to keep safe whilst still having ready access to and I'm not sure where to put it...in a bank, building society or suitcase under my bed? Those banks ... |
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 MONEY MISSING from bank account!!!? |
| i have a chase bank account and $300 went missing i found out last night and the bank was closed i have to wait till monday but im freaking out. the only think i did was buy something from a website ... |
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 Paying by cheque.? |
| Why do some people when buying their shopping pay by cheque? They still have to produce their debit card to use as a guarantee so what is the advantage? It can't just be to hold up the queue.... |
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chris m | I want to buy a home in about 6 months and have bad credit, where do I start? |
My girlfriend and I have very low credit due to an issue that is being cleared up now. I should have better credit and cleared up debt in 6 months if things go well, but not great (not enough time). I am in an apartment and am never late with payments. What are my steps to go about getting in a $125-175,000 home. I was told to go find a mortgage company now, and they will help me plan what steps to take and how to clean things up? Is this true? I do not want to rent again but I am afraid that my credit will not be improved enough or my debts paid down enough to get me into a home. I would like to get an 80/20 loan, because I will not have built up enough assets to give a downpayment for my money now will go to cleaning up my credit. Any insight will be helpful. Thanks! |
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chris
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1) Close all credit accounts even those with 0 balances. THey all count against you.
You can keep one to use, but make sure it is paid off every month.
If you really want a house, make sure you do not have a car payment. Downgrade if needed.
Clear up anything that is outstanding on your credit report.
Spend as little as possible_ remember the things you want to buy now, for christmas, etc will all decrease your buying power for a house. If you focus everything one saving money and paying down any and all debt, you can do it quickly.
That means: No starbucks, no movies at the theatre, no drinks at restaurants; use coupons, return anything that still has the tags on it, sell your extra stuff on ebay or craigslist.org, eat at home as much as possible.
Take a look at your last 6 months worth of expenses: How much did you spend on stuff that you don't have anything to show for it now: Entertainment, outside food and drink, misc crap that you can't sell for what you paid for it.
Your girlfriend and you have to be on the same page: no manicures, no new shoes .etc
I have found so many things to do for free: Hiking, tennis, volleyball at the local gym, library books instead of buying, walks on the beach, hanging with friends at homes instead of bars, |
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teamlessbear
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yes, talk with a mortgage broker, they will assist you or they will tell you what is or is not possible. |
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ideratherbefishin
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so you have bad credit, no down payment and no assets but would like a 125k-175k loan............good luck with that..... |
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Dr. Deth
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in addition to cleaning up credit, you need to save a lot of cash for down payment and closing costs also - 6 months isn't realistic to clean up everything - shoot for 18 months |
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totalbeyotch
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Contact mortgage guy, get a copy of ur credit report, he will help you identify and pay off your debts, some debters will take settlements, where you pay a lesser ammount to close the debt. You will be able to but a house if you take care of all this but you will not get the best intrest rate. |
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fashion guru
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its impossible i went to buy a house 2 months ago for $350,000 i was willing to put $150,000 down and they could not get me financed because my credit score was only a 690 i also proof of $160,000.00 a year income it takes a long time to repair credit i hae not defaulted on a loan, car payment or had a repo in the last 10 years and my score has not gone up |
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dazed4lifer
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there are a couple of groups out there that can help:
NACA-naca.com
ACORN-acorn.com
these group help people with bad and no credit get house thru special grants. some grants do not require a downpayment or closing cost. |
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Marysue
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Absolutely start working with a mortgage lender now. They can take an in depth look at your credit history and identify the issues that can prevent you from getting a loan. If they want to earn your business, they will suggest things you can do to correct your credit. |
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Ask M
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www.creditinfocenter.com
buddhibbs.com |
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DoH
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If you have bad credit, you will be in a much better position to secure a loan if you can come up with 20-25% down payment for the property. The lender wants to see that you have skin in the game, your unlikely to default the loan if you will be out a significant amount of money.
Lenders are very gun shy about taking out risky loans right now. |
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Zenkai
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IF you never owned a home you can get assisted help with first time home buyers, talk to a realistate agent they can help you get hooked up with pre approval. My G/F just bought a house and she had declared bankruptcy like 3 or 4 years ago. SHe bought a 147k house with 0 downpayment |
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Carolinahomerates.com
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try FHA they take 2.25% as a down payment.
you cant have any credit lates in the last 12months...otherwise you should be fine |
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