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Credit Score in New York County : Real Estate Advice

  • All107
  • Local Info10
  • Home Buying69
  • Home Selling6
  • Market Conditions2

Activity 26
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Tue Aug 2, 2016
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Sat Jun 11, 2016
Tristar Cred asked:
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Mon May 30, 2016
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Mon Apr 18, 2016
Queensapartmentrents answered:
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
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Tue Feb 9, 2016
Jonathan Lahey answered:
I Guess Trulia program only helps us buyer and seller to communicate best advertise with our properties. Leads can be said to your choice which one with you want to qualify . Thanks
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Sat Dec 12, 2015
Tristar Cred answered:
Did you know Your FICO is made up of these five key factors?
1. Payment history (35%)
2. Credit utilization (30%)
3. Length of credit history (15%)
4. Types of credit in use (10%)
5. New credit (10%): Applying for too many credit accounts at once can bring your score down. Each new credit application results in a new credit penalty, so try to avoid applying for multiple accounts in a short period of time.
I suggest getting your credit report looked at by experts. www.tristar750.com analyze credit for free.
We give you honest and the best personal advice for every unique situation. We’re NOT your average credit repair company. We’re a financial solution company who offers credit repair.
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Tue Nov 24, 2015
Rafael asked:
I will be attending school full-time and utilizing my Montgomery GI Bill so I am looking for something in the $1000-1400 range. Thank you
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Tue Nov 24, 2015
thinz answered:
Based on your range of 7-10 years, it sounds like you may have been foreclosed and then got into trouble after restoring your credit??? But if you're a homeowner again, does than mean you're in foreclosure again? Need to be specific. Restoring credit from a short sale can take less than 2 years..so rather than be foreclosed or do a deed in lieu, a short sale minimizes your credit impact.
You need to focus on manageable secured loans to build your credit up...loans you take out simply for the reason to (not spend the money) but pay back in a short time as scheduled. Will work wonders for your FICO. Tom Hinz www.shortsaletosell.com
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Tue Nov 24, 2015
Adrienne asked:
We need an expert and experience real estate agent to help my mom and I. Thank you
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Wed Apr 23, 2014
ryateslenders answered:
Sounds like your in great shape to get approved for a loan now, I know several lenders that can go down to a 580 credit score for FHA... If you need any help email me or visit our site www.thelendersnetwork.com ... more
0 votes 12 answers Share Flag
Wed Apr 23, 2014
Grace Walker answered:
Hi Barak,

I'm a commercial real estate agent in New York City. Even though your credit is very good, you may be able to increase it to 800 to qualify for the lowest interest rates.

Different credit agencies may have varying scores depending on how they calculate items within your credit history. Both 770 and 789 are very good scores and fall within the range of 740-800, which is classified "Very Good". Obviously, you have managed your credit excellently as it is already very good. However, you may be able to tweek it to raise it a few points to 800 to get the very top interest rates by doing the following.

First, if you haven't already done so, it's a good it's a good idea to look at your credit reports from all three reporting agencies, Exerpian, TransUnion and Equifax. The U.S. government requires that you can get one free credit report a year, so you can request a free report online. Be sure you use the link below because when you google it, there are so many imposters, it's hard to figure out what is what.

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

Also, myfico has suggestions how to improve credit. Someone with your score is no doubt doing practically everything right, but there are a few tips, such as not closing old credit card accounts (they show longevity of credit) and maintaining small balances that you pay off monthly. Also, it's a good idea to pay off all store accounts (e.g. Macy's) as they lower your score slightly. Here are some myfico pages that may be of help.

http://www.myfico.com/CreditEducation/Articles/Default.aspx


http://www.myfico.com/crediteducation/improveyourscore.aspx


http://www.myfico.com/Downloads/Files/myFICO_UYFS_Booklet.pdf

Hope this demystifies the credit score process and helps you get a better score, Barak.

Please let me know if I can be of further assistance.

Grace Walker
Commercial Real Estate Agent
... more
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Wed Apr 23, 2014
Charles Badalamenti answered:
I would start by applying for secured credit cards with your bank and keep you balance at a third of what your credit line. Also, try and keep a running line of credit and not pay your monthly bill all off in one shot. The banks want to see that you can maintain a line of credit. This will boost your score significantly. ... more
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Wed Apr 23, 2014
Jean Paul Ho answered:
GET UP TO $ 65,000.00 IN GRANT


Why rent? Is there anyone giving money to rent? Any tax deduction? Rent KEEPS going up in Brooklyn? Own CHEAPER than renting - You are in a fixed income- You NEED a FIXED mortgage! While building EQUITY? Find out if you Qualify for up to $ 65,000.00 in grant money (You do not have to repay-subject to condition & terms) Would you hate to find out that you qualify AFTER closing on your house & it's too late? How would you feel paying more than everyone else? We have helped MANY..... family OWN when they thought that they can only RENT!!! START the New Year right & make a difference for your family! Leave a LEGACY to your family!! YOU HAVE NOTHING TO LOSE BUT $ 65,000!

Free Homebuyer's Seminar
3:00 PM. Sunday 4/27/14.

Come find out:
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Tue Feb 25, 2014
Paula Rosario answered:
I filed chapter7 and have been discharged already. I have gotten 2 credit cards that I pay off monthly and a secured loan that I pay bi weekly.
0 votes 5 answers Share Flag
Fri Mar 22, 2013
Grace answered:
Go to annualcreditreport. com website - it is a legit site. It is the government site for free credit report
0 votes 8 answers Share Flag
Wed Oct 24, 2012
Trulia Miami Beach answered:
Hi Braham,

Do you have a listing available on Trulia so that we know what you are referring to?

Thanks,
Ali, Community Manager
1 vote 1 answer Share Flag
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