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Credit Score in Orange County : Real Estate Advice

  • All339
  • Local Info10
  • Home Buying184
  • Home Selling27
  • Market Conditions6

Activity 15
Thu Mar 17, 2016
Dyanna asked:
Fiance and i have bad credit. we need a place to move in with our 11month old daughter asap. he's been working at a medical facility for the past 5 years . he gets paid around 5,000 a month…
0 votes 0 Answers Share Flag
Thu Jan 21, 2016
Nicole Fedorchek answered:
Your best bet is to speak to a reputable credit-repair agency. I see that you are in New York, so you should search locally for a good one. If you were in Southern California, I do have referrals for you!
Nicole Fedorchek, Tarbell Realtors
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0 votes 1 answer Share Flag
Thu Sep 18, 2014
Jeff and Kaye Piggot answered:
I think what you are looking for is when can you use the "Realtor" designation. From my understanding an agent can use it if they are a member of the National Association of Realtors (NAR). As a Realtor we subscribe to a certain code of ethics. Here is a link that will give more information:
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Sun Jan 19, 2014
mondaywest answered:
I think credit scores are important as when it comes to making huge investment in real estate sector banks do look at your account performance.
0 votes 5 answers Share Flag
Wed Dec 4, 2013
Kawain Payne answered:
Hello Aranios,

I have found Trulia to be the best value.

I have received leads just by posting blogs and answering questions.

There are many sites out there that want you to pay up front, and commit to a contract. I prefer to pay as I go, which makes Trulia my pick.

Much success to You.

Kawain Payne, Realtor
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1 vote 11 answers Share Flag
Tue Nov 19, 2013
Kawain Payne answered:
Anyone who claims they can "fix" your credit is not being honest.

Fact is, you can improve your paying off/down your debt.

Negative info on your credit report can not be removed by anyone. DO not pay for credit repair!

Kawain Payne, Realtor
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0 votes 4 answers Share Flag
Thu Mar 21, 2013
Bill Schallmo answered:
I’m truly sorry to hear about your situation. I have dealt with many clients’ with similar challenges. Believe it or not, there are some landlords out there that are willing to help, when it makes sense. I have a network of apartment owners that have been willing to consider “less than perfect” renters. Keep in mind, they just want to make sure you can pay, that’s really all they care about. You’ll need to provide them with ample evidence that you can make your rent payment “on time”… Send me an email at: and I’ll tell you what steps you’ll need to take to hopefully get you squared away. ... more
0 votes 6 answers Share Flag
Sat Apr 21, 2012
Lori Hanson answered:
If your not on the loan then your not affected, unless you co-signed on the loan with Dad. If his agent has already run a preliminary title report they can see if you are on the loan any place. If you were then the bank would want your financials too. If they are already negotiating with the bank and they did ask for your financial information then you are not on the loan and will not be impacted.

Lori Hanson
OC Homes Realty
DRE 01405146
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0 votes 4 answers Share Flag
Tue Mar 27, 2012
Rene' De Blanco, MBA answered:
Frankly, you will need to pull a tri-merge to know where you stand. More importantly, the higher the scores, the more loan programs that are avaialble to you. Hence, if you don't know have any insight on where you are, it would be difficult for anyone to advise you on how to improve your score.

Hope this helps!

Kinecta Federal Credit Union
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0 votes 15 answers Share Flag
Wed May 18, 2011
Jeffry Lopez answered:
On a side note,,, Although you are looking for a place to move, an equally important task is working on getting the credit scores up. The system of giving you a score on your credit is a tricky one. And there are little things you can do or be made aware of to acheive a higher score. Time heals all wounds as long as you don't keep falling and scraping yourself. Just about everyone has had some issue or another with their credit
at one time or another. So what you want to keep in mind is, higher your score the less your going to pay in life. The lower your score the more you will pay in life, re: interest rates, insurance, credit, ect...
I wouldn't pay anyone to handle your credit, because a lot of it you can do on your own.

You can contact me for more information and I could review your report, no charge, and give you some idea's.

Jeffry Lopez
Sr. Loan Officer
NMLS ID# 255097
Progressive Loan Funding (A Direct Lender)
562.881.3603 (Cell)

Follow me on Twitter
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1 vote 7 answers Share Flag
Mon Feb 28, 2011
Spirit Messingham answered:
To clarify, if it is pulled by more than 1 mortgage company in the 6 month window it will count as one "collective" hit, vs if you shopped around, spoke with 6 lenders and have your credit get pulled 6 times and taking 6 hits to your credit report.

Best of luck.
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0 votes 7 answers Share Flag
Mon Feb 14, 2011
Dave Gubler answered:
Usually during the Trial Mod period of a HAMP modification the servicer does not report the payment at all (USUALLY). Who is your loan servicer?

Another thing to be aware of Ned is that although the trial period is formally set up for 3 trial payments they almost never resolve that quickly. Most homeowners pay 6, 7, 8 or even 9 or more payments on the trial plan before it is ultimately resolved.

Keep in mind that of the approximately 1.4 million trial modifications inititated under HAMP only about 470,000 have resulted in a permanent loan modification. Even more frightening is the fact that 25% of the permanent loan modifications that are over 12 months old are 60 or more days delinquent again. What does this tell you? The permanent modification achieved are not solving the long-term problems of the borrowers. Follow the link for a more in-depth discussion about how HAMP is failing to prevent delinquency.
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1 vote 9 answers Share Flag
Fri Jul 16, 2010
Gregorio Denny answered:
" You are entitled to a free copy of your credit report once per year."

You are entitled to the free report, but this person asked for a score. You don't get a free credit score. If you are inquiring about your score for the purposes of obtaining a mortgage, the best way is to contact a licensed loan officer and apply. The law requires that your 3 scores be disclosed to you and these will be the actual scores that are used for a mortgage, unlike the ones that you buy online. Some may charge a modest fee for the credit report and others will do it for free. This would be your best bet. ... more
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Mon Apr 12, 2010
Louwu answered:
Title says 30K cash. Your paragraph states 6,000 cash.

First rule of business: know how much money you have.


0 votes 3 answers Share Flag
Tue Mar 10, 2009
Robert Spinosa answered:

Generally speaking, new inquiries constitute only 10% of your overall credit profile. But there can be no definite way for any of us to tell you with certainty how the use of any program would impact your score without knowing the other 90% of the picture too.

My advice is that if you're serious about getting pre-approved for a mortgage, screen several lenders/brokers and talk with them at length about your goals. Once you're comfortable with one or two of them, you can obtain your credit report through the pre-approval process. We're going to need that info anyway to further the loan process.

Finally, I have never seen a case where a customer has shopped smartly for a loan and has, as a result, had a negative, material impact to his/her credit score. Never.

Good luck and let me know if I can be of service. I am a mortgage banker here in the state of CA, and Mortgage Master offers pre-approvals without cost or obligation.

Best regards,

Rob Spinosa
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