Credit Score in San Jose : Questions & Answers

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Michael R Di…, Real Estate Pro in Henderson, NV
Michael R Diaz answered:
Can I get a conventional loan with short credit history?
Hi Katie, I am from the lending side.
This is something we might be able to do as a Direct Lender and we service 50% of our loans so we can make various exceptions.
Just contact me to ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in San Jose
Andrea Gomez, Real Estate Pro in San Antonio, TX
Andrea Gomez answered:
I have a FICO score of 672, 647, 639. I have a few charged off collection for $360 an under. Should I pay those too boost my credit?
Yes you can get approved with a 647! You probably don't need to get your scores up anymore. There are Lenders that can do a 600 mid score home loan. They just aren't always easy to find ... more
1 vote Share Flag Fri Aug 16, 2013 Credit Score in San Jose
Jessica Bate…, Real Estate Pro in Los Angeles, CA
Jessica Bateman answered:
Is there anywhere to get a loan on a 133k house with 40k down and a 580 credit score? Without paying PMI? Ready to buy ASAP!
I work with a lot of people who have less than perfect credit. I tell all my clients that need a pre approval to visit The Lenders Network, I have seen loan approvals from them even wit ... more
1 vote Share Flag Wed Jul 31, 2013 Credit Score in San Jose
Michael Abra…, Real Estate Pro in Chicago, IL
Michael Abramsky answered:
Does pulling your own credit report affect your credit score?
Let’s go back to basics about Inquiries.

An inquiry is a record of any company viewing your credit report for the purpose of reviewing your credit history. The Fair Credit Rep ... more
0 votes Share Flag Mon Jul 29, 2013 Credit Score in Almaden
Claudia Mull…, Real Estate Pro in Fremont, CA
Claudia Muller Gravelle answered:
Is it possible to increase my credit score to 750 if I am at 638? I have 2 credit card and student loan that I am working to pay off. Advice?
According to the credit reporting agencies the models for credit scoring are fluid.
What was relevant five years ago is completely changed for today's market.
Student loans do not eff ... more
1 vote Share Flag Wed Jul 17, 2013 Credit Score in San Jose
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