Credit Score in 19140 : Questions & Answers

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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
Fred Glick, Real Estate Pro in Los Angeles County, CA
Fred Glick answered:
is it usual for that i am a member of three different credit providers transunion, expedian and one that shows all three reports free credit score?
It's not unusual. There algorithms are different and produce different results.

Because of that, mortgage companies look at your middle score..
0 votes Share Flag Wed Sep 18, 2013 Credit Score in Philadelphia
Voices Member,  in
Voices Member answered:
my credit is poor due to illness and divorce. I have a very good job. I need a, nice with 3 bdrm in bensalem please.. Any suggestions please?
Allied Credit Solutions can help repair your credit if you cannot get qualified for a loan. We offer a "true 100% money back guarantee, and our program is a MAXIMUM of 180 days. We are ... more
0 votes Share Flag Sat Jul 27, 2013 Credit Score in Philadelphia
Suzanne MacD…, Real Estate Pro in 07856
Suzanne MacDowell answered:
Can I get a decent mortgage rate without a FICO score? Please help!
I would contact Bank of America and ask them to report the account. Then I would suggest you contact a local mortgage banker. They may have some ideas how to get this counted. The ba ... more
0 votes Share Flag Mon Oct 14, 2013 Credit Score in Philadelphia
Sheri Curci, Real Estate Pro in Philadelphia, PA
Sheri Curci answered:
Is an offer that $50k less thsn asking price good b/c home value is $30k-$40 < asking price and seller hasn't finished renovating.?
Hello Mijraneb, You should have your realtor research recent homes sale on distressed homes and compare them to recent home sales that are in normal condition.

Do you have a realtor ... more
0 votes Share Flag Fri Sep 28, 2012 Credit Score in Cobbs Creek
Freddy Solis, Real Estate Pro in Bristow, VA
Freddy Solis answered:
what kind of mortgage could i get with a credit score ranging from 565-605?
One that you will love and care for for many years. Banks will be lowering requirements for home loan qualifications in the near future, save some money and get ready to start house hun ... more
0 votes Share Flag Tue Jul 16, 2013 Credit Score in Philadelphia
Anna Brocco, Real Estate Pro in Nassau County, NY
Anna Brocco answered:
Whats an ideal credit score to purchase a home?
The better the score the better the rate; if looking at an FHA loan, most lenders prefer 640; visit with any licensed loan officer, for a personalized answer....
0 votes Share Flag Fri Jul 19, 2013 Credit Score in Philadelphia
Jeanne Feeni…, Real Estate Pro in Basking Ridge, NJ
Jeanne Feenick (908) 337-0943 answered:
Can I rent with good income but poor credit?
Hi there - just posted but my answer didn't seem to take - so I'll try again, excuse if a duplicate.

It sounds to me as though you have established a good payment record wi ... more
0 votes Share Flag Tue Jun 11, 2013 Credit Score in Philadelphia
Sergio Herna…, Real Estate Pro in Naples, FL
Sergio Hernandez answered:
how do you rent a home with poor credit.also would-rent to own be a better option for people with poor credit.
Offer to pay rent in advance.

Who rent to own benefits depends on how the agreement is structured and has no correlation to someone with poor credit.
0 votes Share Flag Fri Sep 28, 2012 Credit Score in Philadelphia
Scott Godzyk, Real Estate Pro in 03109
Scott Godzyk answered:
If you only have a lot of inquiries on your chexsystem report, but no accounts, does it still affect you, or your score in some type of way?
I think they look for negatoves such as bounced checks, closed account leaving balances or negatove balance accounts. You can always ask a personal banker at any of teh major banks what ... more
0 votes Share Flag Sun Dec 19, 2010 Credit Score in Philadelphia
Timothy M. G…, Real Estate Pro in Philadelphia, PA
Timothy M. Garrity answered:
Once you pay the original creditor and have it removed from your report, what do you do about all the collection agencys on your account that are for
Hi, Jeanette.

If you need help with your credit report (and/or credit repair), please let me know and I'll refer you to a contact of mine.

Best of luck!

Tim

Timothy M. ... more
0 votes Share Flag Mon Dec 20, 2010 Credit Score in Philadelphia
Phil Rotondo, Real Estate Pro in Brevard County, FL
Phil Rotondo answered:
With a pay for delete agreement, do I have to pay off all the collection agencies under the same original creditor AND the original creditor to have t
Pay for delete agreement is normally made with the original creditor or the collection agency to remove an outstanding debt listing from your credit report.

If the name of the colle ... more
0 votes Share Flag Sat Dec 18, 2010 Credit Score in Philadelphia
James Gordon…, Real Estate Pro in Cincinnati, OH
James Gordon ABR PBD SFR SRS answered:
WHAT CREDIT SCORE IS NEEDED FOR FDA LOANS?
Melvin I am not sure that the Food and Drug Adminstration makes home loans. You may want to sit down with a local loan officer and find out what financing options are availble for you.
0 votes Share Flag Sun Dec 12, 2010 Credit Score in 19131
Bruce Lang, Real Estate Pro in Philadelphia, PA
Bruce Lang answered:
How can I rent if I have an eviction on my credit report?
Dear Michael....renting is always a negotiation. I have rented to people with poor credit but required all rent paid up front for 6 or even 12 months. Sometimes, being honest and approp ... more
0 votes Share Flag Wed May 1, 2013 Credit Score in Philadelphia
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
Iam tired of renting homes and I can afford to pay my rent but my credit is no the best my credit scores are in the low 550"s what will it have
620 is what I keep seeing here. It could go higher. Occasionally I see 580, but the consensus seems to be 620.

I would talk to a local lender. Have them pull your credit report and ... more
0 votes Share Flag Fri Sep 28, 2012 Credit Score in Philadelphia
Sean Dawes, Other/Just Looking in Philadelphia, PA
Sean Dawes answered:
Is there any home loan lenders in PA who will accept 582 credit score?
If you cannot find any lenders (as most will require 620 or higher now) how about doing a lease option to buy until your credit is where the lenders require?

Basically you rent the p ... more
0 votes Share Flag Tue Oct 29, 2013 Credit Score in Philadelphia
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
If you get something deleted off your credit report approximately how many points can you go up?
I do not think anyone can answer this correctly. It all depends on what is taken off and how strongly it affected your score originally. If you have something very serious taken off it ... more
0 votes Share Flag Fri Sep 28, 2012 Credit Score in Philadelphia
Dan Chase, Home Buyer in Texas City, TX
Dan Chase answered:
I'm trying to get pre-approved for a home loan on a home that's only $32,000. I only need about 40 points on my credit score to get the
This is not a wise-crack. STOP paying your debt amount due on time. I do not mean stop paying, just the reverse. Pay MORE than you are supposed to. The less you owe the higher your fico ... more
0 votes Share Flag Sun Apr 29, 2012 Credit Score in Philadelphia
George Slawt…, Real Estate Pro in Philadelphia County,...
George Slawter answered:
Credit Scores Check...
You can call Wells Fargo Home Loans, they are a very reputable mortgage lender. One of their loan officers is Lisa Dreyer, her number is 267-795-8188. She will provide you your credit ... more
0 votes Share Flag Fri Sep 28, 2012 Credit Score in Philadelphia
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