Credit Score in All Locations : Questions & Answers

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1,633
Brian.young, Home Buyer in Rockford, IL
Brian.young answered:
Are there any lenders willing to work with a credit score under 600? We have the income and are working on our credit.
Licensned in 43 states not just Illinois, I work for a direct lender in the mortgage industry who offers conventional, FHA VA, and USDA loans. Are lowest score we accept for government ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score in 77449
Dan Tabit, Real Estate Pro in Issaquah, WA
Dan Tabit answered:
Should I pay off my collections on my credit?
WAIT! Paying off old collections may be necessary to obtain a mortgage, but doing so when they are a year old will actually lower your credit score.
The best way to address these if ... more
0 votes Share Flag Mon Dec 28, 2015 Credit Score
Conswella1, Home Buyer in New York, NY
Conswella1 asked:
Single mother programs What programs are available for single mothers with fair credit scores?
0 votes Share Flag Sat Dec 26, 2015 Credit Score
John Thomas, Real Estate Pro in Newark, DE
John Thomas answered:
Credit score 635
Hello Winfred,

You don't need a 640 credit score to apply for a loan. You can go down to a 580 FICO score with a FHA Loan with only 3.5% of the purchase price as a down payment. So ... more
0 votes Share Flag Sun Dec 20, 2015 Credit Score in Delaware
Samira2424, Home Buyer in New York, NY
Samira2424 answered:
how long will it take to raise my credit score from 480 to 680,(legitimately)..?
Please don't be discouraged, there are ways to rebuild your credit, 483 is bad, but with some minor adjustments you can rebuild your credit, I just closed on my home, my credit sco ... more
0 votes Share Flag Sat Dec 19, 2015 Credit Score in Fort Lauderdale
Rich Reed, Real Estate Pro in Arcadia, CA
Rich Reed answered:
I am New Landlord , want to check tenant's eviction record, how can i do this?
I came across SmartMove by TransUnion the other day, looks interesting and has eviction reports as one of their services. https://www.mysmartmove.com/
0 votes Share Flag Thu Dec 17, 2015 Credit Score in Los Angeles
Edmund Garey, Home Buyer in Riverdale, GA
Edmund Garey answered:
I would like to refinance a condo in Village east fortl auderdale. Can i get a FHA Loan?
Yes you can, my name is Edmund garey, licensed florida loan officer. Through FHA you can with a 580 credit score with 3 1/2 percent down. Which can come from down payment assistance, th ... more
0 votes Share Flag Wed Dec 16, 2015 Credit Score in Fort Lauderdale
Coco, Home Buyer in Harper Woods, MI
Coco asked:
Remove eviction I have an eviction on my report from 2011 , I don't owe any money. How long will this stay on my report? Is there anyway I can get it removed?
0 votes Share Flag Tue Dec 15, 2015 Credit Score in 48091
Jeri Patrick, Real Estate Pro in Pooler, GA
Jeri Patrick answered:
My credit is not so good do you know any one that would lend money to someone that is rebuilding from a divorise
I would contact a local lender to help guild you in the right direction. best of luck
0 votes Share Flag Mon Dec 14, 2015 Credit Score
Tristar Cred, Home Buyer in New York, NY
Tristar Cred answered:
How long it takes to build a credit score? Is a FHA loan an option for me at all with no credit history?
Did you know Your FICO is made up of these five key factors?
1. Payment history (35%)
2. Credit utilization (30%)
3. Length of credit history (15%)
4. Types of credit in use (10%) ... more
0 votes Share Flag Sat Dec 12, 2015 Credit Score in New York
Jordynparker…, Home Buyer in Indianapolis, IN
Jordynparker89 answered:
602 credit score wanting FHA loan need advice fast!
Receive best FHA loan offers from top lenders, Best Rate, Easy Eligibility and Instant Online Approval. Visit now: FHAdirectLending.com
0 votes Share Flag Wed Dec 9, 2015 Credit Score in Indianapolis
Jonard Yanzon, Renter in Burbank, CA
Jonard Yanzon asked:
How can a chapter 7 affect renting approvals? Bad business investments put me in a really deep hole this year. I just recently filed for bankruptcy. In need to find a place. I want to know how I can go about renting an apartment with…
0 votes Share Flag Wed Dec 2, 2015 Credit Score
Five Stars, Real Estate Pro in Jacksonville, FL
Five Stars answered:
Below average credit score and USDA? Does a co-signer help?
USDA does not permit co-signers. However, FHA does. Most lenders will want to see a credit score of 620+ to qualify.

Five Stars Mortgage
National Home Loan Resource
7 days week - ... more
0 votes Share Flag Mon Nov 30, 2015 Credit Score in Anamosa
Gerald Feens…, Real Estate Pro in Grand Rapids, MI
Gerald Feenstra answered:
Do you assist with credit scores that are poor?
I would recommend reaching out to a lender in your area. They will be able to get you in touch with the proper resources to help build credit or possibly get a loan with the credit you ... more
0 votes Share Flag Mon Nov 30, 2015 Credit Score in 34741
Malgorzata R…, Real Estate Pro in Rockville Centre, NY
Malgorzata Ringston answered:
What's more important for renting?
Very often landlords will request your credit score to be good. Its shows your landlord that you are very responsible person and you do pay your bills on time. Of course your high inco ... more
0 votes Share Flag Sun Nov 29, 2015 Credit Score in 11714
Mike Wilson,  in 75201
Mike Wilson answered:
Are there any Lenders in the Las Vegas area that offer VA loans to Credit Scores in the 550 range? I am a 100% disabled veteran .
Check with Home Loans For All. They have the ability to reach out to their network of lenders to determine which lenders can help with your situation. They also can assist in mortgage p ... more
3 votes Share Flag Sun Nov 29, 2015 Credit Score in 89147
Mike Wilson,  in 75201
Mike Wilson answered:
Fixing Credit within 2 months to get home loan approval!! income and debt ratio?
Here's the gods honest truth. There's A LOT of credit repair companies out there but there's only a small handful that are good. That are honest, legal and will get you results quickly. ... more
1 vote Share Flag Wed Nov 25, 2015 Credit Score in Las Vegas
Janice Egan, Real Estate Pro in Fayettville, NY
Janice Egan answered:
My husband and i are looking to buy a home within the next 3 yrs. what is the average credit score we should have? we live in the syracuse,ny area
Are you looking to buy a home in the surrounding syracuse area? Let me know how I can help.

Janice egan
Keller williams realty
Www.topsyracusehomes.com
315 391 5082
0 votes Share Flag Tue Nov 24, 2015 Credit Score in Syracuse
Rafael, Renter in 10031
Rafael asked:
Good evening, I will be relocating from the Virginia Beach area. Are there any studio/1BR that do not require a credit check? I will be attending school full-time and utilizing my Montgomery GI Bill so I am looking for something in the $1000-1400 range. Thank you
0 votes Share Flag Tue Nov 24, 2015 Credit Score in Harlem
Anna M Brocco, Real Estate Pro in Williston Park, NY
Anna M Brocco answered:
Are credit counseling services any good?
You could consider trying to repair credit on your own, see links below for helpful information; you could also consider a visit with any licensed loan officer; after reviewing your inf ... more
2 votes Share Flag Tue Nov 24, 2015 Credit Score in 10705
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