Who do I talk to regarding my credit score? I had some credit issues in the past, but for at leasat 3 years I've been debt free. I want to buy

Asked by Cms, New York, NY Thu May 20, 2010

a coop

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, ,
Sat Jun 22, 2013
I noticed this is 3 years old. Have you resolved your credit score issues so you can buy your Co-op? If you are still in the market for help, please be sure to check out our website.

Please read my blog on how to buy a home with poor credit.

Have a great day;

Christina Solorzano;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Making home ownership more than a dream...
Retired Mortgage Banker
http://www.everlastingcredit.com
https://www.facebook.com/EverlastingCR?ref=hl
http://www.trulia.com/blog/christina_solorzano/2013/06/how_t…
0 votes
Riverdeanorg, Home Buyer, Fort Lauderdale, FL
Tue Dec 12, 2017
I applied for a home loan few weeks ago but did not qualify. The last time I went through my credit report there were all sorts of things on my record including messed up addresses,bankruptcy and tax liens to dispute, and the companies all dropped it off my record. After searching through the internet for help i found this email address on FHA blog..( computerworm.hacker (at) hotmail. com ), The goodnews is that this man fixed my credit scores to 758, removed tax liens, eviction and bankruptcy off my report, he increased my credit limit and credit leverage. Still surprised at how Its just so fast and easy to push the dispute button at the credit agency website with this hacker. He just did mine and asked me to check back in 5 days and i confirmed already my credit score is at 758, the negative and derogatory items fell off. You can contact him and worry no more on buying a home with low credit scores. Hope that helps everyone looking for help.
0 votes
Queensapartm…, Renter, Forest Hills, NY
Mon Apr 18, 2016
This is a big and great decision and you're taking the right steps to know where you credit stands.

I would advise first to pull your credit from an organization such as "Credit Karma", then analyze the 3 reports from Experian, Equifax and Transunion. Once you clear this step, you're now ready to meet a loan officer to check on all requirements. Depending on what you are purchasing, the loan officer will tell you what will be an acceptable credit requirements.

Hope this will help you
0 votes
Milind.singh…, Home Buyer, New York, NY
Sun Apr 17, 2016
I Had some some loan related issues in past as i got jobless and i was really in crisis for 3 years

now i have settled all those but i am not getting jobs in banking industry why its not possible to get

job in a bank as i was jobless and loan get defaulted due to that now i am responsible for caring

of my family and how do i will survive without job
0 votes
Hezrell Vasq…, Agent, Massapequa, NY
Fri Mar 14, 2014
Good evening Cms,



I hope someone was able to help you. If you still haven't done anything so far i recommend to speak to David Mizrahi and you can reached him direct at 917-597-0870
0 votes
Breggen, , Spokane, WA
Fri Mar 14, 2014
I have a credit score its 621 but I applied for 4 or 5 different credit cards in the same day and got denied on all of them I don't understand it says I have fair credit. can anyone help me out?
0 votes
Dennis Evans, Agent, Clifton Park, NY
Wed Jun 19, 2013
The first thing you do is order tour free credit report.... See what your score is... maybe you don't need any help, Also, make sure the information is accurate.
If you still need help, you can find many credit repair professionals in your local area.
It isn't always about being debt free... Its about paying your bills regularly and keeping your debt t income ratio in line.
0 votes
progressnpaj…, , Richmond, VA
Wed Jun 19, 2013
You can also get your score here for free and monitor on a regular basis. There is No credit card required. http://bit.ly/Free_Credit_Score
0 votes
Dan, , Greeley, CO
Mon Jan 24, 2011
Just get the free credit report at http://www.annualcreditreport.com look at the old stuff and then you want to get a credit card, most likely a secured card because they are easier to get. I suggest that you just get a $300 secured card. The big key to this is balance-to-limit on that card. I would suggest that you don't have a balance over 10% of the limit. Most people want to way over complicate this process and it ends up back firing on them.
Web Reference:  http://www.MyHopeNow.com
0 votes
Chris L. Chr…, , New York
Wed Nov 17, 2010
Cms,
Pres. Bush in 2003 under The Fair and Accurate Credit Transactions Act enabled each citizen to obtain an annual free credit report. It is run through one of the three main credit reporting agencies.

Credit Scores are not calculated in this report. You don't need them when your credit issues are over three years.

The reporting agency will do their best to get you to pay for scores or for a credit monitoring service. Don't buy it! They will continue their sales campaign until you notify them to stop. As I had to do.

GET YOUR REPORT. Please go to http://www.annualcreditreport.com,

Credit scores calculations are based upon the most current data hence, if you have no current data, your score may be lower than the 700 middle score that you need for the best mortgage loan, credit card and insurance rates

IF YOU HAVEN'T USED A CREDIT CARD OR PAID AN INSTALLMENT LOAN IN THREE YEARS, START NOW AS YOU HAVE LITTLE CURRENT DATA TO CALCULATE YOUR SCORES.

TO BUILD YOUR SCORE BACK UP. CHARGE YOUR PURCHASE AT A STORE/SERVICE STATION AND THEN PAY THE BILL AS SOON AS IT ARRIVES IN THE MAIL!!

IF YOU CHARGE AT A DEPARTMENT STORE, CHARGE YOUR PURCHASE AT THE REGISTER AND THEN GO TO REAR OF THE STORE AND PAY OFF THE DEBT WITH YOUR CASH/CHECK AT THEIR CUSTOMER SERVICE DESK!! IF YOU DON'T HAVE ENOUGH CASH, YOU CAN STILL PAY THE BILL BEFORE IT'S DUE.
0 votes
Ruth and Per…, Agent, Los Gatos, CA
Tue Jun 15, 2010
Hi Cms:

First find out what your credit score is now. Then determine whether it needs improvement or is just fine.

No debt may not help, as long as you are paying say your cell phone and other bills off on time.

Start with:

https://www.annualcreditreport.com/cra/index.jsp

they can give you a Free Credit report, have a look at it, see if all your past credit issues have been
discharged or still showing up.

Then pay them for your FICO score or get in touch with a lender.

http://www.moolanomy.com/826/get-your-free-credit-score-online/

Goodluck.
Perry
Web Reference:  http://www.ruthandperry.com
0 votes
Rhonda Holt, Agent, New York, NY
Tue Jun 15, 2010
Well, let me first congratulate you on cleaning up your credit. I always suggest that buyers get their own credit report online so the score doesn't drop. But make sure when you order your report that you order it from all three credit bureaus to get all your scores and to see the detail of each.

Once you have your credit report, it's good for three months when your going to buy a home. Call your bank to speak to a mortgage rep and let them know you want to buy a property and you need to have your credit report reviewed and find out how much you qualify for. Most likely the mortgage rep will ask you to bring some other financial documents like your bank statements, a month worth of paystubs, filed taxes and w2's for the last two years and i.d.

When you know where you stand financially you will be able to know how much real estaet you can afford.
Web Reference:  http://www.RhondaHolt.com
0 votes
Mtg 101, , Garden City, NY
Thu Jun 10, 2010
Hello,

I am a mortgage specialist who assist home buyers repairing credit scores, having good credit helps provide clients with lower down payments and qualify for lower interest rates. i am located in Long island 3601 Hempstead tpk Levittown NY 11756 and can be found on consumer access for NMLS Mortgage licensing my cell is 516-233-4842 or office 516-520-5700 ext 214 No upfront fees, free consultation my email is vaiossa@unitednorthern.com
http://www.nmlsconsumeraccess.org/
0 votes
Chris L. Chr…, , New York
Thu May 20, 2010
Hi Cms,
I'm the mortgage person that you want to talk to!
I have 25 years in the business and am a Certified Mortgage Planning Specialist - a national designation.
Credit is now an issue for all buyers. Very few people have the infamous 800+ FICO Score. Lenders and Coop Boards are likely to approve you with a score in the 680-740. Below that, you'll have to take steps to improve your credit.
Credit Counseling is an area where I excel in. I need enough personal information to run your credit report. After that we can meet and set up an action plan to improve your score.
My email is chriscmps@gmail.com. Contact me if you are interested. No obligation.
Sincerely,
Chris L. Christie
0 votes
Rhonda Holt, Agent, New York, NY
Thu May 20, 2010
Hello, you have reached the co-op queen. I can definitely put you together with a great mortgage broker that knows how to finance co-ops and is great to work with.

Feel free to contact me as soon as possible.
Web Reference:  http://www.KandHhomes.com
0 votes
Amy Casey, Agent, NY,
Thu May 20, 2010
The only way to know your actual score, is to pay for it or to let a lender run your credit. You can see your report for free online at http://www.freecreditreport.com, but this does not show your SCORE.
0 votes
Real Estate…, Agent, STATEN ISLAND, NY
Thu May 20, 2010
I’m assuming you have your credit report and/or credit score. It is possible that your credit score is low because you are debt free. When there is no activity on your credit it will lower your score. So you need to speak to a lender to find out what your options are.
0 votes
Don Tepper, Agent, Burke, VA
Thu May 20, 2010
What would you like to talk about?

If there are errors on your credit reports, then you contact the specific credit reporting agency and contest the scores.

If you want to find out what you might qualify for, talk to a good mortgage broker.

If you want to improve your credit score, there's plenty of good advice online or in books. Or, talk to a good mortgage broker who should be able to give you some pointers on what issues to address in your credit reports.

Incidentally, being debt free isn't really the way to ensure the highest credit score. Don't rush out and borrow money, but be sure to ask the mortgage broker about the recommended numbers of lines of credit, and how to use them to best improve your scores.

Hope that helps.
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