Credit Score in 10019 : Questions & Answers

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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?
Did you buy the stuff? Is it legitimate debt? If "yes", then pay it. If your failure to pay on time has led to rediculous penalties, work out an arrangement to reduce those penalties ... more
0 votes Share Flag Wed Apr 23, 2014 Credit Score in New York
Ron Thomas, Real Estate Pro in Fresno, CA
Ron Thomas 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
A Credit Score is actually 3 scores; Your's may be 789, 780 and 770.
A Lender can use any combination to justify their decisions.

770 is pretty terrific score, and 789 is exceptiona ... more
0 votes Share Flag Wed Apr 23, 2014 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
0 votes Share Flag Wed Oct 24, 2012 Credit Score in New York
Christine Go…, Real Estate Pro in New York, NY
Christine Gordon answered:
Any suggestions for where to get a free and secure credit report?
Go to www.myfico.com and you'll be able to get a free copy of your credit report and score. They'll ask you for a credit card as you're filling in the information on the site because y ... more
0 votes Share Flag Fri Mar 22, 2013 Credit Score in New York
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
i am trying to get into mitchell lama coop in manhattan my credit score is 680 will you think i can get approved.
See link for helpful information; http://www.nyc.gov/html/hpd/html/apartment/mitchell-lama.shtml
0 votes Share Flag Thu Sep 27, 2012 Credit Score in New York
Daniel Klein, Real Estate Pro in Los Angeles, CA
Daniel Klein 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
Absolutely. Welcome to future home ownership. We currently have programs in our mortgage department that would allow you to purchase a home with only 3.5% down with a 580 credit score, ... more
0 votes Share Flag Fri Jan 6, 2012 Credit Score in New York
Michele Defr…, Real Estate Pro in Spanish Springs, NV
Michele Defreitas answered:
do i qualify for a pha loan?
Find yourself a good lender and speak with them. They can advise you what you can qualify for based on your credit, income etc.
0 votes Share Flag Tue Dec 13, 2011 Credit Score in New York
Justin Ruzic…, Real Estate Pro in 33913
Justin Ruzicka 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?
give them a copy of it....you want a tri-merged credit analysis, or a copy of all three credit agencies....but if they are all pulling within a 30 day time frame for the same purpose i ... more
0 votes Share Flag Fri Nov 4, 2011 Credit Score in 10005
Daniel, Other/Just Looking in Baton Rouge, LA
Daniel 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.?
Shop your loan out to several companies, tell them that your middle is 720 if you are wanting to compare differences in fees

always ask for an initial fees worksheet and compare lin ... more
0 votes Share Flag Fri Nov 4, 2011 Credit Score in New York
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