Credit Score in Cook County : 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
cgewargis, Renter in Skokie, IL
cgewargis asked:
Buying with low/bad credit? My parents have a foreclosure on their credit history from a few years ago. My brother and I both have low credit scores but working on building them up. Are there lenders/agents that are…
0 votes Share Flag Thu Apr 21, 2016 Credit Score in 60077
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
Cassandra M.…, Real Estate Pro in Canton, GA
Cassandra M. Bickel answered:
Using home equity to pay off credit card debt in order to increase credit score to apply for second home mortgage
Banks would be more apt to see that you are using debt wisely instead of just moving it around. I would just paying off/down the credit cards - maybe by consolidating them into a low i ... more
0 votes Share Flag Tue Dec 29, 2015 Credit Score in 60638
Jamiecapizza…, Home Buyer in Schaumburg, IL
Jamiecapizzano asked:
Judgment settled for FHA loan I recently settled a judgment that appeared on my credit report during underwriting review for an FHA home loan. Our closing is in 2 weeks. Our loan officer told us that once the payment…
0 votes Share Flag Sat Sep 19, 2015 Credit Score in Hoffman Estates
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
Nicholas S N…, Other/Just Looking in Rockford, IL
Nicholas S Nelson answered:
Can we even get a loan with not so great credit?
Good Morning Teresa,

If you can get a mortgage will depend not only on your credit score, but what is showing on your credit? Did you have a bankruptcy and/or foreclosure? If so yo ... more
0 votes Share Flag Mon Jul 14, 2014 Credit Score in Berwyn
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
David James, Real Estate Pro in Bakersfield, CA
David James answered:
Why such a difference in credit scores?
The total amount of debt in collections is not going to have much of an affect on your credit scores. The number of collection accounts and their age does. If you are going by scores yo ... more
0 votes Share Flag Fri Jan 31, 2014 Credit Score in 60473
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
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