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Christina So…, Real Estate Pro in Morristown, TN
Christina Solorzano answered:
My credit is only 4 points away from getting approved. But its stuck there and wont go up! I owe nothing everythings been paid off. What do I do?
Good Morning Mike...

Do you have any open revolving accounts? Not closed and paid off? Closed and paid off is calculated in the length of history side of your score (if that makes se ... more
0 votes Share Flag Sun Sep 29, 2013 Credit Score
Linda Lorenzo…, Real Estate Pro in 75002
Linda Lorenzo - (214) 578-3131 answered:
what is the oldest age a studebt can be to assist to that school.?
Not sure what you are asking - this is a site for real estate type questions. Sounds like you need to go the school district and ask that question.
0 votes Share Flag Mon Apr 15, 2013 Credit Score
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
How do you do down payment assistance?
You are taking it for granted that there are Down Payment assistance programs:
Understand that the lack of investment in homes is the biggest reason why we had so many foreclosures.
U ... more
0 votes Share Flag Sat Apr 13, 2013 Credit Score
Sharon Wayman, Real Estate Pro in 37215
Sharon Wayman answered:
Is there any website where I can review my own rental history? I was able to find all sorts of credit check website, but nothing pertaining to rental.
Some of my customers use the following: www.tenantscreening.com
0 votes Share Flag Tue Oct 28, 2014 Credit Score in Nashville
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
Can you recommend any free/paid credit repair agencies. I need to clean up couple of things on the credit report prior to applying for home loan.
Good morning kunal103,

Beware of anyone offering to "repair" your credit! The Federal Trade Commission issued a stern warning last year that such offers are scams. Credit reports ca ... more
0 votes Share Flag Wed Jul 24, 2013 Credit Score
Curly Sue, Real Estate Pro in Texas
Curly Sue answered:
My husband and I are wanting to buy a home within 6mos and my credit score is 570 range and im considering filing ch. 7 bankruptcy should i file first
You will need to wait at least 3 years to buy after your bankruptcy is discharged!
0 votes Share Flag Tue Oct 22, 2013 Credit Score
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas answered:
How do I have investment property removed from my personal credit report?
You probably don't!
But the Credit Companies are not working on Trulia; maybe you should be talking to them.
0 votes Share Flag Wed Sep 18, 2013 Credit Score in Philadelphia
Joe Roman, Real Estate Pro in Fort Lauderdale, FL
Joe Roman answered:
how long will it take to raise my credit score from 480 to 680,(legitimately)..?
Hello Miz Repped;

I cannot give you an exact time frame as to how long it would take to increase your credit score, but I do know that a mortgage broker can run your score free of ch ... more
0 votes Share Flag Tue Sep 2, 2014 Credit Score in Fort Lauderdale
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
How many people needs to get credit check?
Only the people who are applying for something that needs a credit verification. Usually, credit checks apply to people with less than $10M net worth.
0 votes Share Flag Sat Apr 13, 2013 Credit Score
Michael Cheng, Real Estate Pro in San Jose, CA
Michael Cheng answered:
Is it possible to rent an apartment with bad credit from my past ... My credit is slowly building...I've been living in an apartment for 2 yrs
You should simply check with other apartments to see if you can get approved with your credit.
0 votes Share Flag Sat Apr 13, 2013 Credit Score
Jennie Miller…, Real Estate Pro in Phoenix, AZ
Jennie Miller Pllc answered:
My credit scores are 612EQ, 618EX, and 646TU....how can I get the other two up with TU?!?
Have you spoken with a credit repair company? A couple of my clients have used one and see great success--and they can make recommendations that will increase your score even though yo ... more
0 votes Share Flag Tue Oct 22, 2013 Credit Score in Gilbert
Mini Samuel, Real Estate Pro in 53158
Mini Samuel answered:
I have a 623 credit score.The new FHA requirements are 640 for 2013,I believe I qualify for a USDRA loan. Can someone help me get a loan?
Candace, have you reached out to the USDA office? Mini
0 votes Share Flag Tue Oct 22, 2013 Credit Score in 53168
Andrea Brooks, Real Estate Pro in Frisco, TX
Andrea Brooks answered:
Can i start looking for a home with a 585 Fico score?
I would recommend talking to a lender now so you can better understand how to proceed. I work with several industry-leading professionals that I can connect you with. I'd welcome the ... more
0 votes Share Flag Thu May 8, 2014 Credit Score in Plano
Tony Grech, Real Estate Pro in Michigan
Tony Grech answered:
1st time home buyers with sub par credit.
Those scores are pretty good, but that is a serious derogatory credit item.

Physician loans are portfolio programs, so the lender is free to implement their own underwriting guideli ... more
0 votes Share Flag Tue Jan 14, 2014 Credit Score in Atlanta
Liz Lockhart, Real Estate Pro in 63701
Liz Lockhart answered:
I am looking to sell my home in Jackson (Fruitland Mo) is it a good time to sell a home right now?? If not what are the pro's and cons of lease to own
Yes, now is a good time to sell. http://activerain.com/blogsview/3678874/a-tale-of-four-houses
0 votes Share Flag Sun Mar 31, 2013 Credit Score in 63755
Trevor Curran, Real Estate Pro in Bronx, NY
Trevor Curran answered:
i am thinking about getting and FHA loan to get my first home but i do not know if i qualify . i just need to know what requirements i need to qualify
Good morning chandler,

Your best bet is to get a referral to a local Mortgage Banker and get Prequalified. You'll find a much higher level of service, experience and knowledge with ... more
0 votes Share Flag Tue Oct 22, 2013 Credit Score
Michael Skel…, Real Estate Pro in Lake Orion, MI
Michael Skelton answered:
My wife and i are just starting out. I have some credit issues but i make the money to afford rent what do i do??
The best bet is to have a mortgage professional review your credit report. Most credit reporting agencys have analyzer feature. It will tell you what you need to do to increase your cre ... more
0 votes Share Flag Tue Oct 22, 2013 Credit Score
Mack McCoy, Real Estate Pro in Seattle, WA
Mack McCoy answered:
I've been told you can get several pre-approvals in a certain time period where as it only affects your credit once. Is this true?
It is true, and if your credit score is that shaky, maybe it's not ready to carry a thirty-year mortgage commitment just yet.
0 votes Share Flag Tue May 14, 2013 Credit Score in New York
Andrew Wilki…, Trulia Community Manager in San Francisco, CA
Andrew Wilkinson answered:
I short saled my home in Florida in December of 2011, after my husband and I both lost our jobs and were forced to move out of state.
Hi there Tracy,

It certainly sounds like Regions Bank is acting very shadily with you here. I hope you can get it sorted out soon. I'm also sorry that you haven't received any new an ... more
0 votes Share Flag Thu Apr 4, 2013 Credit Score in Lebanon
Brent Mendel…, Real Estate Pro in Bethesda, MD
Brent Mendelson answered:
Any mortgage lender in the Baltimore area, what is your minimum credit score requirement for FHA loans?
Jackie,

We have a program that allows for as low as a 600 score. I had one approved with less than 620 on Friday. The rules are tougher and the rates slightly higher but it can work ... more
0 votes Share Flag Thu Oct 31, 2013 Credit Score in Randallstown
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