Credit Score in Cook County : Questions & Answers

change location

cancel or

Q&A

37
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
Nicholas S.…, Real Estate Pro 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, 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
David James, Real Estate Pro in Dallas, TX
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, 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
Suzanne Hami…, Real Estate Pro in Orland Park, IL
Suzanne Hamilton answered:
How do I get a auto charge off removed from my credit? In my divorce decree my ex spouse was awarded the truck and was financial responsible for it.
Auto loans can be tricky in a repo situation. I have lenders who will call credit agency. The problem is no one is paying them and your name and credit was on the car at one time. Bu ... more
0 votes Share Flag Thu Nov 21, 2013 Credit Score in 60477
Princess Nee…, Home Buyer in 60473
Princess Neese answered:
I am ready to start my first home purchase asap and wondering if I qualify for a home loan.
Thank you for all the advise! I'm actually closing on a home on Dec 13th with a rate of 4.75%. I feel great and I'm excited! Thanks again to the Trulia community for your help.
0 votes Share Flag Tue Nov 19, 2013 Credit Score in Lansing
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
Riccardo War…, Real Estate Pro in Downers Grove, IL
Riccardo Wardlow 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????
congrats on being ready to make that move.... yes you can.

Riccardo Wardlow
Owner
Quality Mortgage Lending
630-670-8266

RATED A+ WITH THE BBB

*We do Conventional loans down ... more
0 votes Share Flag Thu Nov 14, 2013 Credit Score in 60501
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
Raymond_thom…, Home Buyer in Tinley Park, IL
Raymond_thomas75 answered:
how much do your credit score go when 3 collections fall off your credit?
How much will my credit score go up with my repo and student loan being removed
0 votes Share Flag Sun Aug 4, 2013 Credit Score in 60477
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
Christina So…, Real Estate Pro in Morristown, TN
Christina Solorzano answered:
Delinquency Date
Dana:

Yes. The account should report the DLA (date of last activity) charge offs are normally 6 months after the last payment was made. It sounds like you need some credit help. Ma ... more
0 votes Share Flag Sun May 12, 2013 Credit Score in 60477
1 2
Search Advice

Followers

126
Email me when…

Learn more

Home > Q&A > Illinois > Cook County > Credit Score in Cook County
Copyright © 2014 Trulia, Inc. All rights reserved.   |  
Have a question? Visit our Help Center to find the answer