Credit Score in San Diego County : Advice

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John & Janis…, Real Estate Pro in Encinitas, CA
John & Janis Arendsen answered:
Hi, I had to move before filing Chp 7 which I will be able to complete with my lawyer, But, in the mean time my credit is dropping like a rocket.
What exactly are you asking? That's TMI for a public forum and it sounds extremely complicated. Are you trying to find out if there's anyway you can qualify for a loan or are you lookin ... more
0 votes Share Flag Fri Jun 1, 2012 Credit Score in Carlsbad
Jessica Bott…,  in San Marcos, CA
Jessica Bottrell answered:
We will be using our VA Home Loan, looking to purchase within 6-12 mo from now. What do banks look for,what is a safe amount to save?
If you are using your VA loan then you will not need to "put any money down" however, you will still have closing costs and the deposit which you can get back if your agent structures y ... more
0 votes Share Flag Mon Apr 16, 2012 Credit Score in University Commons
John Walin, Real Estate Pro in Libertyville, IL
John Walin answered:
Who can I talk to, to find out what I need to pay on my credit to buy a house?
Keep renting and pay down credit cards. Beyond credit score, lender looks for debt to income ratios, cash reserves and job stability and source of income. a strategic BK will hurt your ... more
0 votes Share Flag Tue Jun 9, 2015 Credit Score in 91932
Shanna Rogers, Real Estate Pro in Murrieta, CA
Shanna Rogers answered:
My name is on the Deed but not on the Mortgage, can I remove history from my credit report ?
Hi Angie,

Your credit report should only contain items that involve your credit - such as the mortgage (not the Deed). If you're not on the mortgage, it shouldn't even be ... more
0 votes Share Flag Mon Jul 29, 2013 Credit Score in San Diego
Walter 'Skip'…, Real Estate Pro in Brea, CA
Walter 'Skip' Kersten answered:
bad credit
Hi Perkovics,
Most landlords require a credit check before renting.
Good luck,
0 votes Share Flag Thu Sep 12, 2013 Credit Score in 92128
BG, Home Buyer in Phoenix, AZ
BG answered:
Sole Proprietorship and credit ramifications of Short Sale
don't feel bad about it. Lots and lots of people are in exact situation with you. Many of us don't have the option to short or walk because we can't afford the credit h ... more
0 votes Share Flag Sat Mar 5, 2011 Credit Score in 92028
Justin Ruzic…, Real Estate Pro in Fort Myers, FL
Justin Ruzicka answered:
Does a loan modification affect your credit? Does it hurt your chances of getting another mortgage?
In order to complete a loan modification your lender will "require" you to miss payments, yeah, even if you can make them, then you will find your credit score be ... more
0 votes Share Flag Mon Jan 10, 2011 Credit Score in 92028
Patrick Thies, Real Estate Pro in Anytown, IL
Patrick Thies answered:
How many points is your credit "dinged" when your credit is run for mortgage loan purposes?
It can be 2 to 4 points with each credit check. Sometimes it doesn't get that bad a hit if they can tell you are shopping around for rates.
0 votes Share Flag Wed Nov 24, 2010 Credit Score in San Diego County
Angela Manatt, Real Estate Pro in Rancho Santa Fe, CA
Angela Manatt answered:
I just got a SSN and my credit score start point, Im unable to get a credit card because I have no credit history, how do I build a good credit
Good evening

You need to begin with a cosigner to establish good credit.
0 votes Share Flag Mon Jul 29, 2013 Credit Score in San Diego
Phil Powell, Real Estate Pro in La Jolla, CA
Phil Powell answered:
in VA - need a reputable place to restructure loan in accordance to the passed laws for a family who holds a
Hi Mandy:

What are your clients trying to accomplish? Are they trying to refinance, or is there going to be a transfer to title? Please let me know, and I'll see if I can give some ... more
0 votes Share Flag Wed Sep 22, 2010 Credit Score in 92106
San Diego Re…, Real Estate Pro in Chula Vista, CA
San Diego Real Estate Agent answered:
when is too late to do a short sale? We did not get our loan mod. approved
Yvon, Call us and lets talk about what your short sale options are. A short phone call will be able to tell me if I can help you. Call Dawn at 619-981-3917. Looking forward to speaking ... more
0 votes Share Flag Sun Sep 13, 2009 Credit Score in Mission Valley West
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