Credit Score in Los Angeles : Questions & Answers

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Laura Goins, Renter in Perry, GA
Laura Goins answered:
Hello..I have a credit score of 588 and my husbands is 587. We both make over 100k a year. Would we qualify for a home loan?
i think that you should be able to...my cousin got a loan with USDA and her credit was around where yours is...when my husband and i thought of buying a few months ago we were told 540 ... more
0 votes Share Flag Sat Aug 2, 2014 Credit Score in Los Angeles
rons, Real Estate Pro in Concord, CA
rons answered:
do i qualify for a home with a credit score of 588?
You should fix your credit before you go worrying about buying a house.

Just because someone can get you a loan, doesn't mean you should get a loan. That FICO score demonstrates eith ... more
0 votes Share Flag Fri May 9, 2014 Credit Score in Los Angeles
Risa Liebster, Real Estate Pro in Toluca Lake, CA
Risa Liebster answered:
what credit score is needed to get a home lone?
I answered this question some time ago and wanted to update that we are now seeing select lenders who are advertising that they have loan products for those with as low as a 550(!) Fico ... more
0 votes Share Flag Sat Mar 29, 2014 Credit Score in 90047
Robert J. Kr…, Real Estate Pro in Frederick County, MD
Robert J. Krop answered:
What are the FHA Credit Score guidelines for a Loan? I've heard 640 and 600, even 580.
Although some lenders can do as low as 580, they normally have additional requirements to meet. Check with your local lenders to find out what their "minimum" credit score requirements ... more
0 votes Share Flag Wed Mar 19, 2014 Credit Score in Los Angeles
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
hi. i am immigrating to us for life. so i do not have any information about credit score.law ,conditions and other aspects(especially loan type).
No you need something open otherwise your a credit ghost. I know a great new site that matches people with lenders based on their situation, The Lenders Network. They work with people w ... more
0 votes Share Flag Thu Nov 7, 2013 Credit Score in Los Angeles
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
hi. i am immigrating to us for life. so i do not have any information about credit score.law ,conditions and other aspects(especially loan type).
There are lenders like myself that offer loans for this particular scenario. One loan to consider is the Foreign National Loan. These loans are meant for non-residences/citizens seeking ... more
0 votes Share Flag Wed Nov 6, 2013 Credit Score in Los Angeles
Dorene Slavi…, Real Estate Pro in Culver City, CA
Dorene Slavitz (213) 814-5238 answered:
hi. i am immigrating to us for life. so i do not have any information about credit score.law ,conditions and other aspects(especially loan type).
I recommend you go to your bank and speak with a loan officer there who can guide you.
0 votes Share Flag Wed Nov 6, 2013 Credit Score in Los Angeles
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
My credit score is currently "Weak". Should my husband and I apply for a loan now or wait for my credit score to go up?
Apply now! There are still lenders that can help you with bad credit, I have had clients with a 580 credit score get approved for FHA loans. Check out The Lenders Network they can refer ... more
1 vote Share Flag Sun Sep 29, 2013 Credit Score in Los Angeles
Randall Yates, Real Estate Pro in Los Angeles, CA
Randall Yates answered:
Has anyone heard of a credit restoration company called freedomcredits.com ? Just wondering if it really works. I need to get my credit repaired.
I can recommend my credit guy who owns a credit repair company in TX. Make sure you need it first I have Lenders that work with bad credit scores as low as 560 in some cases..
2 votes Share Flag Sun Sep 29, 2013 Credit Score in Los Angeles
Christina So…, Real Estate Pro in Morristown, TN
Christina Solorzano answered:
If you are on title but not on the loan, will your credit be impacted if a notice of default is filed?
A notice of default is just that a notice. But to answer your question NO.. You have legal rights to the property without being financially responsible.

Have a great day;

Christi ... more
0 votes Share Flag Wed May 15, 2013 Credit Score in Los Angeles
Brian Nguyen, Real Estate Pro in Mission Viejo, CA
Brian Nguyen answered:
Limited credit history and mortgage loans
Hi there!

I'm a lender for iServe Residential Lending and I am definitely willing to help with your situation! Our company can get you a loan with your listed credit. We have also gi ... more
0 votes Share Flag Tue Mar 19, 2013 Credit Score in Los Angeles
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
My husband and I was advised to pay bills that are in collections on our credit to raise our credit score. Will this help or hurt our score?
First, settle any outstanding debt. If you owe money on collection accounts, charge-offs and/or judgments, make payment arrangements and get these accounts paid promptly.

Next, begin ... more
0 votes Share Flag Sun Apr 29, 2012 Credit Score in Los Angeles
Yanni raz, Real Estate Pro in Sherman Oaks, CA
Yanni raz answered:
I have a 700 fico score owe 47K in credit card debit and am considering a Non-Profit Debt Consolidation company does anyone know of any honest company
There so many options in this matter. All you need to do is find the right company that can really help you to get what you need without damaging your credit more then what you did alre ... more
0 votes Share Flag Sun Jul 25, 2010 Credit Score in Los Angeles
B, Home Owner in Minneapolis, MN
B answered:
does late payment to a homeowners assn. affect credit rating?
Only if the Association reports to credit bureus.
I recommend to talk to them, as you are part of the association, and explain that you are not able to make 12 payments. Let them know ... more
0 votes Share Flag Fri Oct 2, 2009 Credit Score in Los Angeles
Sandra, Home Buyer in 80134
Sandra asked:
I have a special assessment of $4,000 that we are suppose to pay in one year. This is a hardship. If I pay it over an 18 mo. period instead of a 12 mo. period will this affect my credit rating? Sandra Edwards, smeshopping@verizon.net
0 votes Share Flag Fri Oct 2, 2009 Credit Score in Los Angeles
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