Credit Score in Chicago : Advice

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Mike Opyd, Real Estate Pro in Near North Side, Chi...
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, Real Estate Pro 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, Real Estate Pro 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, Real Estate Pro 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 Chicago, 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
Brad Neumann…, Real Estate Pro in Downers Grove, IL
Brad Neumann - NMLS 948036 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 Los Angeles, 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 Fred, Real Estate Pro in Chicago, IL
Evelyn 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 Bronx, 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
Christopher…, Real Estate Pro in 10591
Christopher Pagli - ABR, GREEN answered:
how to obtain credit report without showing another inquiry, thereby negatively affecting my score?
When it comes to buying real estate, the credit bureau's will be able to tell what you are doing and the credit pulls shouldn't affect you as much as you think. this is only in referen ... more
0 votes Share Flag Wed Oct 24, 2012 Credit Score in Chicago
Andy Ogorzaly, Real Estate Pro in Wicker Park, Chicago,...
Andy Ogorzaly answered:
With a 740 credit score, no job a couple thousand in savings, what are my chances in becoming a avid real estate flipper. "Please not all at
Hey Austin, I am very interested in real estate investing for myself as well, so I have been reading up on it. While you don't necessarily need a lot of money down to invest, you will ... more
0 votes Share Flag Fri Sep 7, 2012 Credit Score in Chicago
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
I have no TransUnion credit score but do with Experian & Equifax?
I have found that CONSUMER ACTION is an excellent resource for objective advice on all things credit related. You'll find free and sincere advice on everything from settling collection ... more
0 votes Share Flag Tue Apr 17, 2012 Credit Score in Chicago
Evelyn Fred, Real Estate Pro in Chicago, IL
Evelyn Fred answered:
I was living out of the country from a very young age and because of that I really have no credit history. Where will I most likely be approved?
Hi Mark,

Can you afford to pay "x" amount of rent in advance to secure the rental? Sometimes a landlord will settle for upfront cash over the credit score provided your re ... more
0 votes Share Flag Tue Nov 1, 2011 Credit Score in Chicago
Ross Neag, Real Estate Pro in Chicago, IL
Ross Neag answered:
I have AWFUL credit, no criminal background and no evictions. How do I get an apartment in Chicago???
First and foremost you're going to need a co-signor. That I can guarantee you. Most private landlords would be forgiving in your situation provided you can prove current income a ... more
0 votes Share Flag Tue Oct 18, 2011 Credit Score in 60637
Jori Stern,…, Real Estate Pro in Austin, TX
Jori Stern, NMLS 177299 answered:
What lenders are still doing manual underwrites for loans with credit score 620 or below?
I can assist borrowers with FHA loans in Chicago and nationwide.

Minimum credit score of 600 required for FHA Loans.

My company received an exception from investors to offer FHA f ... more
0 votes Share Flag Mon Sep 19, 2011 Credit Score in 60622
lebron james, Home Buyer in Chicago, IL
lebron james answered:
Best way to get the credit scores lenders will see?
Evelyn,

Welcome to the internet. I do want advice. In fact, I want good advice about the question I'm asking - not incorrect advice about a question I'm not.

Thanks.
0 votes Share Flag Tue Jan 25, 2011 Credit Score in Chicago
Matt Laricy, Real Estate Pro in Near North Side, Chi...
Matt Laricy answered:
Chap 7 bankruptcy discharged 2008 in which I included 4 rental properties 1 primary. Credit score is now 650-670. When can I apply for mort loan?
Your best bet is to talk with a good loan officer to see what your options are. Only after looking into everything will they know what they can or cannot approve you for. If you need a ... more
0 votes Share Flag Thu Jan 6, 2011 Credit Score in 60603
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