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 If you have 7 mileon what do you want to buy ?
if you have 7 mil $ what do you want to buy for it and is it a good question or not ?...


 A couple take out a joint mortgage. Can a second charge be taken out on the property without joint consent?
The husband built up a huge debt, which the wife knew nothing about. The first she knows about it is when she opens a letter from the company who has taken out a second charge on her jointly owned ...


 I would like to buy a house any tips?
I live in illinois ,right outside of chicago and I want to buy a house. I dont have the best credit but i also dont have the worst. I just want to buy a house near where i live now for my children. ...


 Is it descrimination to say no to a renter becouse of someone in their family is a tuck driver.?
i know the rentee has the right to rent to anyone they wish, but if they say this is the only reason why they will not rent to the person, is that legally wrong? its like saying no i wont rent to u ...


 Is it too soon to start looking for houses if I'm moving in 2009?
My husband and I are planning on moving out of state in 2009, is it too soon to get information from an agent? Will they just laugh? I know there's a lot of paperwork and stuff, how long does it ...


 Will house prices ever go down?
...


 I live in nj, can my landlord decide he wants only cash or money order instead of a check?
he says he ONLY wants CASH or MONEY ORDER, NO CHECKS
Additional Details
i havent bounced a check and im the only tenant, but i do like the answers about pennies. i think he just got a ...


 Can I own a home with a yearly income of $16,000?
...


 If i give my notice to day is it a full 30 days?
if i give my landlord the letter that i will be moving on the 1st of septmeber is it a full thirty days or will i have to pay next months rent?
Additional Details
i thought you had to ...


 Evection question?
My uncle got arrested last February and my aunt (a drunk, drugged up, gambling you know what) stopped paying there house payment. Now they had only lived in this house for three months before all ...


 Is it illegal to destroy my previous house owners mail?
It's been a year and a half since our home's previous owners moved out and we are still receiving a lot of their mail. Can I just throw it in the bin? What are my legal obligations?
<...


 Eviction of tenant?
I bought a house in Belfast last year, which I rented out to a recently divorced woman. I have been very patient with her non-payment of rent, and listened to all her excuses and promises of money ...


 Rent Question.....Rent laws?
I was recently renting a duplex with my two children. I did get behind on my rent and was catching it up. My landlord evicted me, which was understandable and I was moving anyway, but my question ...


 Is it a dodgy deal if someone offers you cash for your house?
a cash offer for the full value.i cant say anymore but im worried about someone its eating away at me .cheers ...


 What happens when the owner sells his house?
Hi
I am living in a house in which the owner has leased out one of the bedrooms to me for rent.
I just want to know, what happens when he decides to sell the house?
Does he have to ...


 Increase in rent question?
My friend rents a house for £500 per month (includes bills and council tax), her agreement runs out next month and her lanlord has told her in writing that her rent will increase to £550 per month ...


 Where in Britain are the nicest houses?
I mean houses, not flats or apartments like in london. Thanks a lot....


 IS THIS LEGAL? Take rent even though the home is being foreclosed on?
My father rents a home. He has always just had a month to month agreement and yesterday he found out the house is being foreclosed on. He has no idea what stage of the process they are in and now the ...


 What will my mortgage be if....?
We buy a $450,000; I have a credit score of 700 and my husband of 750; we have a combined income of 60k; and we are buying the house in the suburbs of NYC (wantagh, in nassau county, Long Island). W...


 I had a best answer to a question from Mr. Trend_Vampire on this section. I was disgusted by the content of?
his comment. He called me a whore and told me to undertake a disgusting sexual act with my father. Thank you, my father is 80 years old and is in advanced stages of Alzheimers and I find this ...



msuewill23
Bad credit?
I apparently have REALLY bad credit. My lease is up at my apartment and I am looking to move. I put in an application for an apartment today and was denied because of my credit. I have never had a problem getting an apartment before, I have lived on my own in apt's for 5 years and never paid rent late, never broken a lease, and never left damages. I make $36,000/year and could not get approved for a $650/month apt. I have been at my job for 6 years, and I am 24. Is this right? Should I keep looking? I don't want to keep paying application fees if I am not going to get approved. I live in Houston.
                     
 




G
As others have suggested you should get a copy of your credit report and review it to look for delinquent accounts. This can include medical bills, car payments, credit cards, etc. When you apply for an apartment show them proof that you have paid your rent on time over the last few years. Also your income is not reflected in your credit score so you should show the management your earnings capacity, your ability to pay rent. Good luck!


Mike
Did you pull your credit report to see what is on there?

Did you pay credit cards or other loans late?

You can see your report for free at http://www.annualcreditreport.com


foi et espoir
I had the same problem in Houston recently. They seem to be doing that now because of everyone that came over form Louisiana. I've been with my job for over six years and made over the 3 1/2 times the rent and still had problems getting an apartment. I just kept at the apt. I wanted, telling them to go off of my 7 years of excellent rental history and even offering to pay a months rent in advance or a higher deposit. They finally let me in by going off of my rental history. It seem like now in Houston it is as hard to buy a house as it is to rent an apartment. I would suggest to keep trying what I did for the one you want because they all run credit checks now. I wish you good luck.


drgnotary
Rating
go to www.annualcreditreport.com and find out what your credit is. (It is free) Ask your past landlords to give you a reference. You can be declined because of poor credit, but a good reference should help you.


clueless
Rating
When you are denied an apartment due to your credit, you are entitled to a free copy of your credit report. Look it over and see if there are any errors on it. Based on what you stated in your question, it doesn't sound like there should be any issues with your credit rating. Keep in mind that your credit standing is not JUST based on paying your rent on time, but also all of your other bills as well. Definitely get to the bottom of it, though! Good Luck!


tonytbag
Rating
well obviously you have done something to lower your credit score. what you need to do is get a credit report and look at it and identify which things made your credit score drop. then find out how much it will cost to do credit repair to get approved. im a loan officer so once you get a credit report, i can translate it for you and tell you what needs to be done. just email me


fallingup721
Rating
same situation this month. unfortunately, they dont much look if you pay your rent on time. they run a report based on your credit history, and give you some sort of rental score. i have identical situation, and offered to pay rent for several months up front, and was still denied. good luck


Ron Berue
Rating
Suggestion: You MUST get a copy of your own credit report. How can you possibly know who the enemy is - unless you see the enemy?

From what I read, the enemy is somewhere in your credit report. Get a copy. Read it. Ask questions about the credit report. Identify the enemy. When you write a rebuttal statement about your enemy, you begin to KILL the enemy.

Thank you for asking your question. I enjoyed taking the time to answer your question. You did a great job - not only for your information, but for every other person interested in reading my answer.

I wish you well!

VTY,
Ron B.


n
Rating
Sounds like quite the pickle. Do you have any reason to believe that your credit is actually that low? Have you missed bills, failed to pay, got bills sent to collections on you?

If you think your credit should be better, you may have been a victim of identity theft. Pull your credit from www.annualcreditreport.com. Its free (but they won't give you a fico score- you have to pay for that). If there are any accounts on there that you haven't opened, then you have a problem.

Don't panic though, it will be worked out.


Bex13
Rating
You said that you "apparently" have really bad credit. You should look into your scores and credit reports pronto. It is possible that there is incorrect information or that someone has stolen your identity and racked up some late bills. Also make sure that you haven't had any late credit card payments, cell phone bills, utilities, etc.


Emma W
Clear you bad credit and see your credit report. Many lenders, banks in particular, deal in any sort of secured loan other than second mortgages. Other institutions deal almost exclusively in secured loans. Finance companies that deal in secured loans can be found in your phone book, newspaper, and increasingly, online.Shop<!--around and compare interest rates on loans and the terms of repayment with several different lenders. You'll find many internet sites that let you request a loan rate quote from multiple lenders at once. You can find more information on bad credit loans here,

http://badcredits.awardspace.com/

Once you've submitted a request for a loan quote, you'll be contacted by representatives from several companies-->and can get a good idea of what each can offer you in terms of interest and other finance charges and fees. Choose the best one for your needs, and apply for the loan. It's that easy.


Joe L
If you have never gotten a large loan, such as on a car or a house, you will have bad credit and will never be able to rent an apartment. What you need to do to build credit is to take out a 30 year loan with huge interest rates.


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