Credit Score in New York County : Questions & Answers

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H. Roy Bhiro,…, Real Estate Pro in Melville, NY
H. Roy Bhiro, USAF Retired answered:
Who do I talk to regarding my credit score? I had some credit issues in the past, but for at leasat 3 years I've been debt free. I want to buy
Cms, the process of identifying what you need requires an analysis of your credit report to better understand the following:
Amount of credit
History of credit to include length of cr ... more
0 votes Share Flag Earlier today Credit Score in New York
Sanjeev Ahuja, Real Estate Pro in Floral Park, NY
Sanjeev Ahuja answered:
I am currently a homeowner who messed up credit after fixing it. How long would it be before i can invest in another property. IS it 7-10 years?
If you email your three bureau credit report I can give you a professional answer. As you may know it is not only your credit but income, assets and other information that in totality d ... more
0 votes Share Flag Thu Mar 13, 2014 Credit Score in New York
Charles Bada…, Real Estate Pro in 10006
Charles Badalamenti answered:
How can I fix a equifax & trans union score That are 0..?
I would start by applying for secured credit cards with your bank and keep you balance at a third of what your credit line. Also, try and keep a running line of credit and not pay your ... more
1 vote Share Flag Sat Mar 1, 2014 Credit Score in New York
Paula Rosario, Home Buyer in Bronx, NY
Paula Rosario answered:
Home loan qualification with bankruptcy
I filed chapter7 and have been discharged already. I have gotten 2 credit cards that I pay off monthly and a secured loan that I pay bi weekly.
0 votes Share Flag Tue Feb 25, 2014 Credit Score in New York
Randall Yates, Real Estate Pro in Dallas, TX
Randall Yates answered:
im a fist time buyer my credit score is 600 and i only have 5% down payment what my chances of buying a home in staten island ny
Sounds like your in great shape to get approved for a loan now, I know several lenders that can go down to a 580 credit score for FHA... If you need any help email me or visit our site ... more
0 votes Share Flag Sun Aug 18, 2013 Credit Score in New York
Grace, Other/Just Looking in New Jersey
Grace answered:
Any suggestions for where to get a free and secure credit report?
Go to annualcreditreport. com website - it is a legit site. It is the government site for free credit report
0 votes Share Flag Fri Mar 22, 2013 Credit Score in New York
Jim Olive, Real Estate Pro in Key West, FL
Jim Olive answered:
I have a lot of old stuff on my credit report.Do I wait till it falls of after 7 years or do I try to pay it up?
Ah, but if you read more carefully you would know that I called nobody a deadbeat, I cautioned agains becoming one! Truth is, we have a LOT of them around and it hurts all of us. When ... more
0 votes Share Flag Wed Jan 30, 2013 Credit Score in New York
Grace Walker, Real Estate Pro in New York, NY
Grace Walker answered:
One more questions. Does any mortgage people or agents on here know about these credits scores? The bank gave me a copy of mine that says 770 but i
Hi Barak,

I'm a commercial real estate agent in New York City. Even though your credit is very good, you may be able to increase it to 800 to qualify for the lowest interest rates. ... more
1 vote Share Flag Sat Oct 27, 2012 Credit Score in New York
Trulia Miami…, Other/Just Looking in Miami Beach, FL
Trulia Miami Beach answered:
credit score guidelines for mitchell lama coops
Hi Braham,

Do you have a listing available on Trulia so that we know what you are referring to?

Thanks,
Ali, Community Manager
1 vote Share Flag Wed Oct 24, 2012 Credit Score in New York
Gene  Neal, Real Estate Pro in Ronkonkoma, NY
Gene Neal answered:
i am trying to get into mitchell lama coop in manhattan my credit score is 680 will you think i can get approved.
Yes you can receive an approval. If you need information on how to receive a pre approval please reach me at eneal@athccorp.com
0 votes Share Flag Thu Sep 27, 2012 Credit Score in New York
Tomer Ahituv, Real Estate Pro in New York, NY
Tomer Ahituv answered:
I never had credit and I got no credit history. I won a law suit and want to by a house. I have good income but just got a credit card i pay 1400 rent
Hi Catina,

As many others have correctly answered, credit is important but there are many other factors that will also impact your ability to qualify for a mortgage. It is also corr ... more
1 vote Share Flag Fri Jan 6, 2012 Credit Score in New York
First Last, Other/Just Looking in 90002
First Last answered:
I have a friend who want to rent an apt. in Manhattan. But her credit score is bad. Is there any way to rent an apt. without paying all the rent
One option is for your friend to find a guarantor who will, in essence, guarantee the rent payments. Usually this is a family member (parent, rich aunt) or an extremely close friend.

... more
0 votes Share Flag Fri Jan 6, 2012 Credit Score in 10036
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
do i qualify for a pha loan?
Do you mean an FHA loan? PHA is the Philadelphia Housing Authority
0 votes Share Flag Tue Dec 13, 2011 Credit Score in New York
Jim Simms, Real Estate Pro in Louisville, KY
Jim Simms answered:
I got my credit report run for a preapproval about 6 mo. ago. Is your credit score affected (ie lowered ) on the preapproval app or the loan app.?
Credit scores are fluid, they can change daily or even several times a day. Even a hard credit pull will not have the impact most consumer financial moves do. One dollar too much on a ... more
1 vote Share Flag Fri Nov 4, 2011 Credit Score in New York
Larry Tollen, Real Estate Pro in Durham, NC
Larry Tollen answered:
If you apply for financing with different leders is there a way to avoid each of them pulling your credit and just have your credit pulled once?
I have had many buyers ask me the same question over the years. Every single one of the lenders I reguarly work with have assured me that when they pull a credit score it is a "sof ... more
0 votes Share Flag Fri Nov 4, 2011 Credit Score in 10005
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