Credit Score—questions & answers, advice and opinions page 8

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…
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…
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…
credit score 618 on the mend.
I am working on repairing my credit and have the ability to do a lease to own. I need to close on the house in 3 months or less. I know i can get a score of 620 to qualify..however, i need a hard approval…
Looking for a mortgage with a 560 credit score... Syracuse, Indiana
So I have been working on our credit and need a home now... Anyone know of a lender who works with 550-560 scores?
Can I get a home loan if I am a homemaker?
My credit score is a 661 and I am a homemaker since my husband works extreme hours I stay home to take care of the place we are renting and our pets. I was wondering can I get a home loan? My husband has…
Whats the first step to take for a potential 1st time (military) home buyer with bad credit?
Whats the first step to take? My husband and I are potential 1st time homebuyers but our credit isnt good. We pay a good sized rent each month and know we can afford a mortgage.
Applying for credit before mortgage application 2013 to boost score
I was advised my a mortgage company that my middle/average score is 680. I did not tell the guy there to pull my credit so now my credit file shows a pull for mortgage back on May 1st after just calling…
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 I rent with good income but poor credit?
My husband and I currently make close to $90K/yr, combined. But two years ago I didn't make close to what I make now (I just finished my Masters) and I ran into some credit problems. I also became…
All these credit scores are confusing! Which one is used for a mortgage application?
I have 2 monthly credit reporting services - Equifax and myFICO. Equifax tells me the 3 scores from the 3 bureaus - they are 614, 620 & 635. However, myFICO says it's 578. Why the big difference, and which…
Is a credit score all that is looked at now days?
I have lived in our own home since 1974. The past seven years have been filled with illness (mine and my loved ones) and death. For a couple of years my husband or I lost members of our family every year.…
Will refinancing my mortgages lower my credit score?
I have three mortages on three investment properties about a 60% paid off. 92k left on 160k. I want to combine the three to one investment property and have one payment. This will lower my monthly…
Are there any lenders that will do a VA home loan with a 600 middle score?
I am a first time home buyer with my COE in hand but still repairing my credit. I have a son on the way and i would love to have a home to welcome him into this world to. Im over renting and paying someone…
if i have a credit score of 504 what can i do to help my credit score to be able to get a first time buyers
loan or a govt. loan anything to help me to get a starter home and help my credit?
Sovereign Bank cost me 50 points OFF my credit score!
Did this happen to anyone and does it matter when applying for a mortgage loan? - For years - my credit score through online free Credit Karma ranked around 780. Today I planned to apply for a mortgage…
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