Credit Score in All Locations : Questions & Answers

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Shannon M Th…, Real Estate Pro in 46123
Shannon M Thomas answered:
If i pay off my medical bills on my credit report will my score go up? After i pay them off will the creditor remove them?
You really need to talk with a good lender and let them guide you through what you need to do. What it will say usually is paid off but won't remove unless the creditor themselves have ... more
0 votes Share Flag Tue Mar 3, 2015 Credit Score in Cromwell
Robert, Real Estate Pro in 89117
Robert answered:
How long does it take to get a credit tradeline added back to someone's history if it was removed erroneously? Please read:
I agree with Chris, it's usually 30 days to 2 months. If you need a professional company to add a seasoned tradeline which has a perfect payment history feel free to contact IZMCreditSe ... more
0 votes Share Flag Sat Feb 28, 2015 Credit Score in Columbus
Realteam, Real Estate Pro in 48315
Realteam answered:
I have a credit score of 615 can i get a home loan in michigan
Banks will factor in lots of other information to determine if you qualify for a loan. Such as employment history and your current salary. If you sit down and speak with a lender, they ... more
0 votes Share Flag Fri Feb 27, 2015 Credit Score in Macomb
Diane Christ…, Real Estate Pro in Sarasota, FL
Diane Christner answered:
where I can find town homes for sale by owner?
Not on this site as all properties listed for sale on Trulia are through licensed real estate agents.
0 votes Share Flag Mon Feb 23, 2015 Credit Score in 70058
Erik J. Weis…, Real Estate Pro in Fairfax County, VA
Erik J. Weisskopf, ABR,CDPE answered:
What does your credit score have to be in order to be approved to rent?
It is a measure of risk. If your credit is poor there are usually ways to help your chances on your application. Higher deposit..automatic bank drafts etc.

Kind Regards,
Erik J. W ... more
0 votes Share Flag Sat Feb 21, 2015 Credit Score in 85365
Bette Kurysh, Renter in 55119
Bette Kurysh asked:
My credit has always been exceptional until the time I became very ill and disabled. I lost Everything! Only receive disability. My fico score 548 Will anybody allow me to lease a rental unit with this type of score?
0 votes Share Flag Sat Feb 21, 2015 Credit Score
Patricia Ped…, Renter in Lake Geneva, WI
Patricia Pedersen asked:
How to fix my credit after a divorce.? After a 40 year marriage a divorce left me with some small judgments on my credit. My score took a hit because one of the charges are not mine. Some of the charges such as AMX are in my…
0 votes Share Flag Thu Feb 19, 2015 Credit Score
Brooks Fickl…, Real Estate Pro in Columbia, SC
Brooks Fickling answered:
How can I find the right mortgage broker? I want to buy a house this year.
Hi Raymond, I would suggest shopping around with local mortgage BROKERS. There is a big difference between a bank or mortgage company and a mortgage broker. A broker will call around to ... more
0 votes Share Flag Wed Feb 18, 2015 Credit Score in Columbia
basil oros, Real Estate Pro in 10010
basil oros answered:
My credit score is 559 will anyone work with us on getting a housing loan?
You may start with some secured credit card for gas and grocceries.
There are some ways of improoving your credit score even with comparably low income.
0 votes Share Flag Mon Feb 16, 2015 Credit Score in 21601
John Burke, Real Estate Pro in Austin, TX
John Burke answered:
Im told that a 580 credit score is good enough for a FHA loan is this true if so where do I start. Thank you
Hi Godisup2something,

Joshua is right on some asspects of his answer & wrong on others.

I can do FHA loans down to 580 score and yes you're going to pay a higher interest rate bec ... more
1 vote Share Flag Mon Feb 16, 2015 Credit Score
Josh Barnett, Real Estate Pro in Oklahoma City, OK
Josh Barnett answered:
I just did a credit karma report looking for any evictions on my record, nothing showed up for that category.
Ask yourself if there have been any evictions in your past. Gathering the information from the source is always better they asking a computer.
0 votes Share Flag Sat Feb 14, 2015 Credit Score
Joel Lobb, Real Estate Pro in Louisville, KY
Joel Lobb answered:
Maybe our many great lenders in our market can help our buyers on Trulia. What three things can a "buyer" do BEFORE coming to see you?
The following is a list of documents that may be required to process your mortgage loan:

One full month’s worth of pay stubs
Last 2 years W-2?s
Last 2 years tax returns
Last ... more
0 votes Share Flag Sat Feb 14, 2015 Credit Score in Louisville
Shanell Wats…, Real Estate Pro in Fort Hood, TX
Shanell Watson answered:
I am a military officer located in Texas with a credit score of 595. I have a few errors that I've submitted though Im not sure if the credit
Hi Im Shanell Watson, an Real Estate Broker with Realty Executives. I work with a lender who can get a VA loan approved with a 580 score. Please feel free to call me directly on my ce ... more
0 votes Share Flag Fri Feb 13, 2015 Credit Score in Fort Hood
Jeri Patrick, Real Estate Pro in Savannah, GA
Jeri Patrick answered:
what's the best way to take care of old credit card debt to benefit my credit?
I would contact a local lender to see what is the best way to handle paying your debt. Best of luck.
0 votes Share Flag Fri Feb 6, 2015 Credit Score in 30458
Jdkiss.wc, Home Buyer in Upper Sandusky, OH
Jdkiss.wc asked:
Can I talk to some one about buying an (condo) or (house). At an lower credit score. And at lower down payment or lower the monthly payments. To own what should I do. I did try to figure out based on the tequila measurements but some of the numbers were high.
0 votes Share Flag Thu Feb 5, 2015 Credit Score
Lynn Brock, Real Estate Pro in Sarasota, FL
Lynn Brock answered:
What is the minimum credit score to be eligible for an FHA loan?
Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs. Generally speaking, to get maximum financing on typical new home purchases, ap ... more
0 votes Share Flag Tue Feb 3, 2015 Credit Score in San Tan Valley
Lynn Brock, Real Estate Pro in Sarasota, FL
Lynn Brock answered:
USDA loan requirements
The lowest score that they will look at is 600 or above.
0 votes Share Flag Tue Feb 3, 2015 Credit Score in Bovina Center
Sandra Cooper, Real Estate Pro in Oklahoma City, OK
Sandra Cooper answered:
With the OHFA Dream First time buyers program in OK, they require you to have a 640 credit score. Mine is a 608 and my husbands is a 653.
They might be still able to qualify you . You should talk to a good local lender. I can recommend a few. you can call/text me anytime at 405-812-5507 or email. Would love to be able to ... more
0 votes Share Flag Mon Feb 2, 2015 Credit Score in 73160
Edward Maddox, Real Estate Pro in San Tan Valley, AZ
Edward Maddox answered:
My credit score is 540, but the only credit ding I have is a past due judgement for Child Support. I have records of payments however. I want to buy
Unfortunately, there were only 29 single family homes that came up in all of Phoenix that are priced under $50,000. You can find a few more if you are interested in a mobile home affix ... more
0 votes Share Flag Mon Feb 2, 2015 Credit Score in San Tan Valley
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