Credit Score in Chicago : Real Estate Advice

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Nayak.dharya…, Home Buyer in Chicago, IL
Nayak.dharyadhar3 asked:
I want a loan for bad credit
0 votes Share Flag Sat Jul 23, 2016 Credit Score in Chicago
Dennisgaliano, Home Buyer in New York, NY
Dennisgaliano asked:
Have 580 credit score, BofA won't approve unless 620 or above. Can I get approved for a $385K load with $85K income and current on mortgage? Have three credits cards, total $112 in monthly payments, that's the only debt I carry. Current mortgage payment is $1292 including escrow. Score low because have delinquent utility…
0 votes Share Flag Thu Jun 23, 2016 Credit Score in Chicago
Sally Grenier, Real Estate Pro in Longmont, CO
Sally Grenier answered:
I have bad credit. Will I be able to rent an apartment through you?
FYI -- Trulia is NOT a real estate company, or even a property management company. Trulia (and Zillow and Realtor.com) are just marketing sites that offer info about buying, selling, an ... more
1 vote Share Flag Wed Feb 17, 2016 Credit Score in Chicago
Jeff Nobleza, Real Estate Pro in Evanston, IL
Jeff Nobleza answered:
Can I lease an apartment with a bankruptcy?
It is definitely possible to lease just based on what you have stated. Truth be told some landlords may hold your bankruptcy against you while others may be a little bit more forgiving. ... more
0 votes Share Flag Tue Feb 9, 2016 Credit Score in 60626
Ruth and Per…, Real Estate Pro in Los Gatos, CA
Ruth and Perry Mistry answered:
I need to repair my credit. What reputable companies can I count on to do the job?
work with a loan officer and he can guide you.
0 votes Share Flag Thu Jul 16, 2015 Credit Score in Chicago
Noah Seidenb…, Real Estate Pro in Evanston, IL
Noah Seidenberg answered:
Looking of an apartment that does require a credit check. I have poor credit, but make around 55 to 60k a year. Any help?
Offer references from previous landlords and or a larger security deposit. If the credit issues are caused by medical reasons the people will be more understanding.
0 votes Share Flag Tue Jun 23, 2015 Credit Score in Chicago
Bankerman32, Home Buyer in Charlotte, NC
Bankerman32 answered:
I have no TransUnion credit score but do with Experian & Equifax?
Please let me know if you received an answer for this... I have 3 great scores but exifax is showing erroneous information
0 votes Share Flag Wed May 6, 2015 Credit Score in Chicago
Mike Opyd, Real Estate Pro in Chicago, IL
Mike Opyd answered:
What part of Chicago in a nice area don't really look at the credit score as much like I don't have over due balances or anything bad just?
Its really the discretion of the landlord and what they want to ask for. Maybe offer more months of rent up front or write a letter of explanation for the credit.
1 vote Share Flag Fri Sep 5, 2014 Credit Score in Chicago
Darren Sessom, Real Estate Pro in McKinney, TX
Darren Sessom answered:
What is a good credit score ? And I do you get one and keep
Hello Drakkara,

We can help! We assist home buyers daily to help improve credit scores to the qualifying levels or above.

I also have relationships with Loan Officers and Realtors ... more
0 votes Share Flag Mon Apr 14, 2014 Credit Score in North Lawndale
Brock Lee,  in New York, NY
Brock Lee answered:
Will I likely get approved for an FHA loan?
Having a resource to help with HOA information and documents makes life easier. Recently, when selling a home in Ohio, Association Online provided me with all the HOA details for the li ... more
0 votes Share Flag Tue Feb 4, 2014 Credit Score in West Town
joy.r.sinegar,  in Chicago, IL
joy.r.sinegar answered:
credit score improve
Unless you are doing a rapid rescore (which I know how to do), then it is impossible. A Rapid Rescore works quickly but it depends on how accurate your information is. For instance, i ... more
0 votes Share Flag Sat Jan 18, 2014 Credit Score in Chicago
joy.r.sinegar,  in Chicago, IL
joy.r.sinegar answered:
Hello, I am looking into getting a home loan as the rent in Chicago is just crazy. credit score 630
630 is a workable score but those credit cards might cause an issue for you depending on how much of a balance you owe. A reputable mortgage loan officer can review your income documen ... more
0 votes Share Flag Sat Jan 18, 2014 Credit Score in Chicago
Chris Diamond, Real Estate Pro in Gurnee, IL
Chris Diamond answered:
The bank told my husband that only 1 agency is reporting his credit score. They need 2 to qualify us. How do we get the other 2 to report?
We can potentially work with one credit score and then utilize what is known as alternative credit sources to establish a credit history for you.

Feel free to contact me with questi ... more
0 votes Share Flag Tue Dec 10, 2013 Credit Score in Chicago
Bradley Neum…, Real Estate Pro in Franklin, TN
Bradley Neumann answered:
FHA Credit Score 634
We have got them done under 640. For mortgage help, call or email for a free pre-approval in less than 10 minutes. We lend our own money and are licensed in 49 states.

We can do: F ... more
0 votes Share Flag Fri Nov 15, 2013 Credit Score in Chicago
Jessica Bate…, Real Estate Pro in Beverly Hills, CA
Jessica Bateman answered:
i have a middle score of 640, can i get a loan in the chicagoland area?
Yes you can get an FHA loan possibly even conventional with 3% down with a 640 score. Check out The Lenders Network they can refer you to a lender that offers a loan for you.

Good Lu ... more
2 votes Share Flag Thu Oct 31, 2013 Credit Score in Chicago
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Likelihood of getting a loan with 629 credit in Chicago
The thing that would need the most help is the credit score. There may be some lenders out there that can work with those credit scores. For example, the average credit score minimum fo ... more
0 votes Share Flag Thu Aug 22, 2013 Credit Score in Chicago
Sohail Salah…, Real Estate Pro in Chicago, IL
Sohail Salahuddin answered:
Can anyone advise me on the proper form of a letter of explanation regarding credit score?
You need to do the following:

1. write a letter of explanation for each derogatory trade line that you wan to dispute and why.
2. a copy of your state ID
3. any proof as to why y ... more
0 votes Share Flag Wed Jul 31, 2013 Credit Score in Chicago
Evelyn S. Fr…, Real Estate Pro in Chicago, IL
Evelyn S. Fred answered:
Any recommendations on where a LANDLORD can order credit and background checks for proposed tenants?
AcraNet not only does the credit and background but also criminal all for $55.
1 vote Share Flag Tue Jun 11, 2013 Credit Score in Chicago
Trevor Curran, Real Estate Pro in Great Neck, NY
Trevor Curran answered:
Joint loan application or single with multiple credit factors but good income.
Good afternoon Amiehansen,

Wow, you are covering a lot of ground with presenting your scenario in such detail!

Couple of things:

Meet with a Local Mortgage Banker to get prequ ... more
0 votes Share Flag Tue May 14, 2013 Credit Score in Chicago
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