Credit Score in New York : Advice

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Jonathan Lah…, Real Estate Pro in Potomac, MD
Jonathan Lahey of The Lahey Group answered:
what qualifies as a quality lead for renting apartments using trulias program?
I Guess Trulia program only helps us buyer and seller to communicate best advertise with our properties. Leads can be said to your choice which one with you want to qualify . Thanks
0 votes Share Flag Tue Feb 9, 2016 Credit Score in New York
Tristar Cred, Home Buyer in New York, NY
Tristar Cred answered:
How long it takes to build a credit score? Is a FHA loan an option for me at all with no credit history?
Did you know Your FICO is made up of these five key factors?
1. Payment history (35%)
2. Credit utilization (30%)
3. Length of credit history (15%)
4. Types of credit in use (10%) ... more
0 votes Share Flag Sat Dec 12, 2015 Credit Score in New York
Rafael, Renter in 10031
Rafael asked:
Good evening, I will be relocating from the Virginia Beach area. Are there any studio/1BR that do not require a credit check? I will be attending school full-time and utilizing my Montgomery GI Bill so I am looking for something in the $1000-1400 range. Thank you
0 votes Share Flag Tue Nov 24, 2015 Credit Score in Harlem
thinz, Real Estate Pro in Allenhurst, NJ
thinz answered:
I am currently a homeowner who messed up credit after fixing it. How long would it be before i can invest in another property. IS it 7-10 years?
Based on your range of 7-10 years, it sounds like you may have been foreclosed and then got into trouble after restoring your credit??? But if you're a homeowner again, does than mean ... more
0 votes Share Flag Tue Nov 24, 2015 Credit Score in New York
Adrienne, Home Buyer in New York, NY
Adrienne asked:
Can I rent an apartment with bad credit in NYC? We need an expert and experience real estate agent to help my mom and I. Thank you
0 votes Share Flag Tue Nov 24, 2015 Credit Score in Hamilton Heights
ryateslenders, Real Estate Pro in Plano, TX
ryateslenders answered:
im a fist time buyer my credit score is 600 and i only have 5% down payment what my chances of buying a home in staten island ny
Sounds like your in great shape to get approved for a loan now, I know several lenders that can go down to a 580 credit score for FHA... If you need any help email me or visit our site ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Grace Walker,  in New York, NY
Grace Walker answered:
One more questions. Does any mortgage people or agents on here know about these credits scores? The bank gave me a copy of mine that says 770 but i
Hi Barak,

I'm a commercial real estate agent in New York City. Even though your credit is very good, you may be able to increase it to 800 to qualify for the lowest interest rates. ... more
1 vote Share Flag Wed Apr 23, 2014 Credit Score in New York
Charles Bada…, Real Estate Pro in New York, NY
Charles Badalamenti answered:
How can I fix a equifax & trans union score That are 0..?
I would start by applying for secured credit cards with your bank and keep you balance at a third of what your credit line. Also, try and keep a running line of credit and not pay your ... more
1 vote Share Flag Wed Apr 23, 2014 Credit Score in New York
Jean Paul Ho, Real Estate Pro in Brooklyn, NY
Jean Paul Ho answered:
I have a lot of old stuff on my credit report.Do I wait till it falls of after 7 years or do I try to pay it up?
GET UP TO $ 65,000.00 IN GRANT


Why rent? Is there anyone giving money to rent? Any tax deduction? Rent KEEPS going up in Brooklyn? Own CHEAPER than renting - You are in a fixed i ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
H. Roy Bhiro,…, Other/Just Looking in Melville, NY
H. Roy Bhiro, USAF Retired answered:
Who do I talk to regarding my credit score? I had some credit issues in the past, but for at leasat 3 years I've been debt free. I want to buy
Cms, the process of identifying what you need requires an analysis of your credit report to better understand the following:
Amount of credit
History of credit to include length of cr ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Paula Rosario, Home Buyer in Bronx, NY
Paula Rosario answered:
Home loan qualification with bankruptcy
I filed chapter7 and have been discharged already. I have gotten 2 credit cards that I pay off monthly and a secured loan that I pay bi weekly.
0 votes Share Flag Tue Feb 25, 2014 Credit Score in New York
Grace, Other/Just Looking in New Jersey
Grace answered:
Any suggestions for where to get a free and secure credit report?
Go to annualcreditreport. com website - it is a legit site. It is the government site for free credit report
0 votes Share Flag Fri Mar 22, 2013 Credit Score in New York
Trulia Miami…, Other/Just Looking in Miami Beach, FL
Trulia Miami Beach answered:
credit score guidelines for mitchell lama coops
Hi Braham,

Do you have a listing available on Trulia so that we know what you are referring to?

Thanks,
Ali, Community Manager
1 vote Share Flag Wed Oct 24, 2012 Credit Score in New York
Gene  Neal,  in Ronkonkoma, NY
Gene Neal answered:
i am trying to get into mitchell lama coop in manhattan my credit score is 680 will you think i can get approved.
Yes you can receive an approval. If you need information on how to receive a pre approval please reach me at eneal@athccorp.com
0 votes Share Flag Thu Sep 27, 2012 Credit Score in New York
Tomer Ahituv, Other/Just Looking in New York, NY
Tomer Ahituv answered:
I never had credit and I got no credit history. I won a law suit and want to by a house. I have good income but just got a credit card i pay 1400 rent
Hi Catina,

As many others have correctly answered, credit is important but there are many other factors that will also impact your ability to qualify for a mortgage. It is also corr ... more
1 vote Share Flag Fri Jan 6, 2012 Credit Score in New York
First Last, Other/Just Looking in 90002
First Last answered:
I have a friend who want to rent an apt. in Manhattan. But her credit score is bad. Is there any way to rent an apt. without paying all the rent
One option is for your friend to find a guarantor who will, in essence, guarantee the rent payments. Usually this is a family member (parent, rich aunt) or an extremely close friend.

... more
0 votes Share Flag Fri Jan 6, 2012 Credit Score in 10036
Joseph Runfo…, Real Estate Pro in Staten Island, NY
Joseph Runfola answered:
do i qualify for a pha loan?
Do you mean an FHA loan? PHA is the Philadelphia Housing Authority
0 votes Share Flag Tue Dec 13, 2011 Credit Score in New York
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I got my credit report run for a preapproval about 6 mo. ago. Is your credit score affected (ie lowered ) on the preapproval app or the loan app.?
Credit scores are fluid, they can change daily or even several times a day. Even a hard credit pull will not have the impact most consumer financial moves do. One dollar too much on a ... more
1 vote Share Flag Fri Nov 4, 2011 Credit Score in New York
NCHomes Team, Real Estate Pro in Chapel Hill, NC
NCHomes Team answered:
If you apply for financing with different leders is there a way to avoid each of them pulling your credit and just have your credit pulled once?
I have had many buyers ask me the same question over the years. Every single one of the lenders I reguarly work with have assured me that when they pull a credit score it is a "sof ... more
0 votes Share Flag Fri Nov 4, 2011 Credit Score in 10005
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