Credit Score in Cook County : Advice

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Matt Laricy, Real Estate Pro in Near North Side, Chi...
Matt Laricy answered:
Joint loan application or single with multiple credit factors but good income.
There are plenty of them out there. Try calling Tony Lupescu at 708-351-6416.
0 votes Share Flag Tue May 14, 2013 Credit Score in Chicago
Christina Ha…, Real Estate Pro in Morristown, TN
Christina Hayes answered:
how much do your credit score go when 3 collections fall off your credit?
Hello. A collection is rated as an R-9. This rating lowers your credit score by a minimum of 50 points, therefore you can expect the opposite to occur when a collection is deleted. You ... more
0 votes Share Flag Sun Aug 4, 2013 Credit Score in 60477
George Raymo…, Real Estate Pro in Chino Hills, CA
George Raymondo answered:
I have a score 626 / 630 and 620 for all three creditors, can I qualify for mortgage loan?? I have about 15k saved up????
Your mid score is 626 therefore you should be able to qualify for an standard FHA 203b loan providing you meet income, debt, and employment qualifications. I recommend finding a local R ... more
0 votes Share Flag Thu Nov 14, 2013 Credit Score in 60501
Daniel Alvar…, Real Estate Pro in Union City, NJ
Daniel Alvarez answered:
FHA Credit Score 634
Sounds like you are good to go. I'm almost certain that any loan officer would say the same.
0 votes Share Flag Fri Nov 15, 2013 Credit Score in Chicago
Philip Sencer, Real Estate Pro in Chicago, IL
Philip Sencer answered:
how to obtain credit report without showing another inquiry, thereby negatively affecting my score?
Not sure how you can do that although you are entitled to one free report each year which will not affect your score.
0 votes Share Flag Wed Oct 24, 2012 Credit Score in Chicago
Gregorio Den…, Real Estate Pro in San Diego, CA
Gregorio Denny answered:
I have no TransUnion credit score but do with Experian & Equifax?
You can get a mortgage even if you only have 2 scores, lenders will just use the lowest.
0 votes Share Flag Tue Apr 17, 2012 Credit Score in Chicago
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
Can you get a personal loan with a 600 credit score?
If by a personal loan you mean unsecured, probabily no. If you are looking for a line of credite, equity loan, 1st or 2nd mortgage secured by a property, maybe depending on if you have ... more
0 votes Share Flag Tue Feb 14, 2012 Credit Score in 60155
Dave Chant N…, Real Estate Pro in Milford, PA
Dave Chant Nicole Patrisso answered:
Will I likely get approved for an FHA loan?
I would definitely talk to a mortage person....even if you can't get approved right now they will be able to give you some advice as to what to do to bring up your score!
0 votes Share Flag Tue Feb 4, 2014 Credit Score in West Town
Tim Moore, Real Estate Pro in Nags Head, NC
Tim Moore 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?
Having no credit history is not as bad as having bad credit history. Show that you have a job and income and you should be ok.
0 votes Share Flag Tue Nov 1, 2011 Credit Score in Chicago
Alan May, Real Estate Pro in 60201
Alan May answered:
I have AWFUL credit, no criminal background and no evictions. How do I get an apartment in Chicago???
a reference from your Minnesota landlord might be helpful, but you may still have to give a hefty deposit, and perhaps pay several months upfront, in order to make any potential landlor ... more
0 votes Share Flag Tue Oct 18, 2011 Credit Score in 60637
Shane Milne, Real Estate Pro in Laguna Niguel, CA
Shane Milne answered:
How much is your credit score raised when a charge off is removed?
First, congrats on your efforts, it's tough working on your credit.

It depends on when the charge-offs were and if there was a balance reported as well as the limit. Charge-off ... more
0 votes Share Flag Fri Mar 15, 2013 Credit Score in 60477
Sally Grenier, Real Estate Pro in Erie, CO
Sally Grenier answered:
Best way to get the credit scores lenders will see?
Hey Lebron,

I'm confused by what you're looking for. If you're trying to get pre-approved for a loan, you don't need pay anything to get your credit report. Talk ... more
0 votes Share Flag Tue Jan 25, 2011 Credit Score in Chicago
Delaine Camp…, Real Estate Pro in Old Town, Alexandria,...
Delaine Campbell 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 credit score is the biggest thing right now probably. Plus I believe there is a waiting period.
If you go to the Fair Credit Reporting Act I think you can find info on it there. I ... more
0 votes Share Flag Thu Jan 6, 2011 Credit Score in 60603
David Cruick…, Real Estate Pro in Palatine, IL
David Cruickshank answered:
What credit scores do you have to have to qualify for a 5% down conventional loan for a home that needs to ne rehabbed, in lieu of using a 203k FHA?
Jody,

There is a program called Fannie Mae Homestyle but very few lenders offer the program. It is a conventional loan so the down payment amount would likely be 10% if it is the bo ... more
0 votes Share Flag Thu Aug 12, 2010 Credit Score in Chicago
Robin Silver…, Real Estate Pro in Garden City, NY
Robin Silverberg answered:
credit score
When anyone runs your credit, their arrangement with the credit score provider prohibits them from giving the actual report to you. However, there is a government regulation that requir ... more
0 votes Share Flag Sat Dec 12, 2009 Credit Score in Chicago
Marcella Coh…, Real Estate Pro in Chicago, IL
Marcella Cohen answered:
I have a fico score of 630
Hi I'm Marcella Cohen with American Invsco Realty. I work with a team that includes a finance dept working with over 40 lenders, That have a number of diffirent programs available ... more
0 votes Share Flag Wed Dec 2, 2009 Credit Score in Chicago
Jennifer Ames, Real Estate Pro in 60614
Jennifer Ames answered:
credit score difference
Leslie Strutuers at Guaranteed Rate can coach you through what you can do (and should not do) to improve your credit score. Her email address is leslie@guaranteedrate.com or call (773) ... more
0 votes Share Flag Wed Dec 2, 2009 Credit Score in Chicago
Cindy Vedder, Real Estate Pro in Riverside County, CA
Cindy Vedder answered:
Where do I get an accurate credit score?
Go to www.myfreecreditreport.com
They will provide you with your credit report and ask you to pay a small fee to obtain your "FICO" credit scores. Visit all three sites and you will ha ... more
0 votes Share Flag Sun Oct 3, 2010 Credit Score in Chicago
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