Credit Score—questions & answers, advice and opinions page 6

550-575 credit with down payment needed, and healthcare provider federal government employed? Any help appreciated.?
eanna.osbor…, Home Buyer in Chicago, IL both my fiance and myself have an average credit score of 550-565. We can obtain whatever down payment is needed to secure the home. my credit dropped and…
Do you have to get approved for a mortgage to get a rent to own home? Do we qaulify for anything with credit scores below 600?
My husband and I work full time and have been renting at the same apt. for 7 yrs. We have 3 children and are in desperate need of space! We always pay our rent on time. We were interested in forclosed…
Desperate to buy!
My family and I really want to own our own home. We have 3 children and currently live in a mobile home, which means we pay lot rent, house payment, and property tax! We make good money and pay our bills…
I just filed bankruptcy and I am working on my credit. What areas should I concentrate on?
I currently own a house, which was not in foreclosure. Our family has grown to much since we bought our house, so we need to get our credit together as fast as possible. If you have any ideas please help.…
Can someone please tell me how I can get my score to go up??
I have been working for over 2 years to get it to change. When I first started this whole process my score was a 575. I paid off old debt, I had old stuff removed, I had inquiries removed. I applied for…
hello i have a question i have a credit score of 501 but I have an income of 40 k a year i have found a house i really and the asking price is 95000
What is the likely hood of me being able to get a loan . With me having a down payment of atleast 3600.
First Timer Low Credit Score
Have Many Questions.. I Don't Know Where To Begin Other Than Having Someone Look Over My Credit Report. New Grad RN-Employed But Credit Suffered While In School... Can Someone Contact me..
My credit score is currently 580, what are my chances for getting pre-approved for a home loan?
I have been told I need a 640 by all banks, but their has to be a way to get a home loan with FHA as a first time home buyer with a 580 right? Thanks!
I am talking with FHA about loans she is telling me to open upmore credit cards and go to Lexington Law to clean up my report I was told to not to
I am unsure on what to believe and what to do since people keep telling me to watch out for people who can "clean" up your credit report. And should I open more credit cards up?
Credit Collections question.
In the process of cleaning up credit a bit, there was an old cell phone account which was sold off to a collection place, it has been past 7 years ( 8 to be exact) from the time the account was in collections.…
Can anyone advise me on the proper form of a letter of explanation regarding credit score?
It was suggested that I write one since I am rebuilding my credit and looking for a new apartment; however I would like to know what things would be helpful to include. Thanks...
How can I safely increase my credit?
As I (Robin) mentioned in another question, I supposedly have a credit score in the high 670s, but that is only according to CreditKarma.com. How can I get my credit into the 700s? I am twenty-five…
Help me understand
The same financial bank approved a car loan that added up to $32,000.00 but said no to a mortgage loan from $50.000. I don't understand the standard a home is more important than a car. No I am not…
Can anyone recommend a good credit restoration company?
I have bad credit from a divorce and my fiance has no credit so I need to repair my credit and he needs to build his credit. Does anyone have any advice for us?
MY credit 's bad because, of my ex husband I pay my billls and had Perfect credit before and my ex ruined my life?
He owes taxes .I ddn't work so It's not my .i co signed a new truck for hm and no good and he wrecked my Mustang!(I have been on SSD since 2003 ) He owes back childs supprot that he has to pay (arrears…
How to help with Medical debt affecting my score?
A few years ago right after I graduated I became very sick and no insurance as I had just graduated college and wasnt on my parents insurance anymore. I've paid off my debt up to this point, but they…
Credit problems and buying a home
My husband and I have decided that we want to buy a house. The problem is with our credit. Neither of us have great credit. Mine is a little better than his though. The problem with that, thoughis he is…
Improving my credit score.
I am renting a house. How do I go about getting my payment information recognized by the credit bureaus? I need to improve my FICO score. I am in my second year of renting, and have never been late…
580 credit score and medical debt
Hello I wanted to know of the possibilities of getting a loan with a credit score of 580, I have a student loan that I'm paying monthly (automatic pay) no default there but I do have a lot of medical…
I just got a SSN and my credit score start point, Im unable to get a credit card because I have no credit history, how do I build a good credit
I have applied for a target card and a visa,both applications were declined,as I have no credit history. I also recently applied for a new rental property and my application was declined due to no credit…
Can a foreclosure that took place back in 2007 get updated by the creditor to reflect that it took place in March of 2012 on someones credit report?
I have a client who went through a foreclosure in mid 2007. She is doing some credit repair work to fix her credit and in the process the original bank who foreclosed on her has updated her credit report…
Any lenders in AZ that use Vantage credit score vs Fico score?
My friend in Michigan recently got a home loan based off her vantage score with a 5% interest rate. Do any lenders in AZ offer mortgage loans based off the Vantage score? My fico middle is 585, and my…
How can I get home loan with FICO score under 600? i want to buy a home right now.
Here is the problem. I own a home that I am trying to sell. I found a home in Florida I want to purchase. Before I went looking for home, I was pre approval by my lender who I have a loan with. However,…
i have bad credit and need a loan
I am a first time home buyer. A single mother. I do have money saved for a down payment. I don't have a job but have an income of about 10k each year from a limited partnership. I do receive child…
how will drop in credit score during loan application will affect me?
I applied loan on July 16 2013 and my broker pulled my credit score that day it was 763. On July 17 2013, I noticed there is a balance on my CITI card that was overdue for 63 days. I paid it off right…
I have all sorts of negative things on my credit rating and i'm a pretty bad credit risk on paper. However, I have 680,000 in cash (paper bills)
My dad was born in Ireland, I want to establish citizenship in ireland, Live there for a brief time, build irish credit, and live my life normally in the US using irish lines of credit. I also want to…
How long should I wait to apply for a mortgage loan after raising my credit score?
I recently just raise my credit score from 579 to 670 in just over two months. I had a few charge offs/collections from previously when I was in college. I want to apply for a mortgage loan for fha or…
Can I get a home loan with a 602 credit score?
I live in Wyoming MI and have a good job, my credit just isn't the best from when I was younger. I am paying things off and nothing has gone on my account that is negitive.
I have a 580 FICO & 20% to put down on an FHA. I have rehab-ed a defaulted student loan, just waiting ont he CR update. Is there any hope?
No other negative credit report issues. Purchase price range is $120-130 with 20% to put down.
Can we get a home loan with a 607 credit score.. We pay 675 a month now
We pay 675 a month for the house we are in now, we are buying the house we are renting. We are just buying for what she owes on the house so i will say between 96000-95000.. We are first time home owners,…
Getting a home loan with a 610-641 credit score
Hi. We are looking into buying a home. We looked up my husband's credit score and it has increased but is still low. On one report, his score was 610. On Experian, it was 641. He had a couple negatives…
Have a 612 credit score. Need an FHA mortgage and advice. Please help!
My middle score is 612. I have a fair amount of money saved but need to find someone who will work with me. Any advice will be appreciated!
what if my score is below 580, can i still get a home loan?
my credit score is 577, would i be able to get a small home loan?
Can I get a home loan with a 614 credit score in OK?
We are currently wanting to buy a house in Wynona, OK and my hubby has a credit score of 614. The amount needed is 50,000 and we were looking for the shortest term loan we can afford (we are hoping for…
Is it impossible to rent in Deltona with bad credit?
If it is possible with a deposit, how much is the deposit for renting a house at about $1,200 monthly?
Does a Statement of "Credit Denial due to 'Value of Collateral not Sufficient "go on your credit report or any record if statement?
isn't true? I recently was completely approved to refinance a home, we set a closing but I decided to cancel the loan the day before the closing because we wanted to continue shopping around. As a…
Have five days left to react to a foreclosure devote my home. Can I represent myself?
I've five days left to react to a foreclosure devote my home. While I find the correct attorney? might I signify myself at leat The truth is I employed a lawyer but I've not acquired any copy of the…
How can I buy a foreclosed home in Las Vegas Henderson area?
My brother & I want to buy a foreclosed home in couple of years.his credit is better than mine but not perfect.he has some money saved & works & I'm on disability.is there any way to get…
Poor credit home loans
My husband and I credit scores are in the mid 400s, but we have a great income. We currently pay $1200 for rent. Is there anyway we can qualify for a home loan
Refinance after foreclosure proceedings but no foreclosure?
How long until I can refinance with foreclosure proceedings started but stopped? I never lost the deed, I've been current for seven months.
Credit 602 to 640 for FHA loan???
My current score is 602 the only loans out are student loans (2) and a guy from Union Savings Bank said i need around 640 jow do i raise my score fast because i need a home IMMEDIATLY. Are there any banks…
My s/o and I are looking into purchasing a house. He can actually get a 1 or 3 year loan for the purchase and shop for mortgages later. My question is
Can I be listed as a co-owner without having to apply for the mortgage? My credit score is extremely bad and I don't want it to impact our ability to obtain a mortgage or the interest rate we receive.…
21 year old non student looking for a credit card I'll get approved for
I am 21 years old, getting married next summer and wanting to build up my credit (I have none at all). I am not a student and I make about 9.00 an hour 30 hours a week.
Which VA lenders offer manual underwriting?
I'm trying to purchase a home and have bad credit. About 550 to be exact. I'm looking for a lender that offers manual underwriting. My income is 100,000 a year, and my only debt is my car.
I am needing to refinance a house I purchased almost 5 years ago. This was a owner-financing deal. My credit score is still not very good.
I have been working on getting my credit better over the past couple years although my score hasn't moved much. Both my vehicles will be pd in full in Sept. but I do have a foreclosure from 5 years…
Moving to Augusta GA. Must a collection account be paid off before qualifying for a home loan?
My wife has a mid credit score of 641. She has one collection on her credit report that is $4,000 and over two years old. That is the only collection on her credit report. Does this collection have to…
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