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Credit Score : Nationwide Real Estate Advice

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  • Home Buying264K
  • Home Selling45K
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Activity 838
Tue Jan 22, 2013
R. Eric Axelson answered:
They should be able to send you a fax. Did you know that what you just did may actually LOWER your score? By speaking with them and submitting a payment, that debt is shown as having "recent activity."if you haven't already, I would contact a professional before doing anything further. I'm presuming your goal is to buy a home in the near future.

Feel free to call me. I'd be happy to chat with you.

Eric Axelson, Associate Broker
Kurfiss Sotheby's International Realty
956.979.5967 cell
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Tue Jan 15, 2013
Pacita Dimacali answered:
Did you try getting your own credit report and see for yourself?

0 votes 4 answers Share Flag
Thu Jan 23, 2014
The banks don't come up with a credit score, the banks order your credit through the various credit bureaus (Equifax, TransUnion, Experian) which provide them your credit scores. The reason you can't figure it out on your own is because the algorithm to calculate your credit score is proprietary to each credit bureau , i.e. a "trade secret". There are thousands of factors that go into calculating a credit score, and each credit bureau has a different way of analyzing that information to come up with it's on credit score. This is also why if your credit history is the exact same on all 3 credit bureaus, you will still get 3 different credit scores. So you can get your credit scores by applying for credit (mortgage, auto loan, credit card, etc.) or you can go to the various online websites to get them there - but since everyone wants to know their credit score, and they are willing to pay to find out, that is why you are being charged, as it's coveted information.

If you are just starting to learn about what credit scores are, I have found that the website is an invaluable tool as it explains everything in an easy to understand manner.

Shane Milne | Lending in all 50 states | NMLS #81195
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Tue May 28, 2013
jjacksoncom18 answered:
I am retire from Miami fire Department and Miami schools and get social security which total about $5000 per month, I renewed my state of Florida teaching licence for another five years (2018), I plan to back teaching in November 2013. I would like to get a mortgage with Wells Fargo. ... more
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Fri Oct 13, 2017
Miekeba Jones answered:
Hi Farm.coleman, Your lender or a financial consultant may be able to help you.
0 votes 17 answers Share Flag
Sun Jul 14, 2013
Michelle Brewster answered:
there are a few different loan types in Oklahoma.
There is a 100% loan called Rural Development that does not require a down payment. Depending on your situation and area you are looking you may qualify. It's a great program! Your current local bank or a mortgage broker can help you more in depth with this, I can refer a few to you if needed. ... more
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Mon Jan 7, 2013
Were they supposed to contact you? On my friend's loan which his parents co-signed on, only he was contacted about getting behind on his payments because they only mail correspondence to one address (which in their case, was the address of the property). Did you call the lender and ask why you weren't contacted?

Co-signing carries big risks including reporting the payment history (good or bad) to the co-signers credit, were you aware of those risks when you co-signed?

Shane Milne | Lending in all 50 states | NMLS #81195
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0 votes 2 answers Share Flag
Sat May 11, 2013
The Roskelly Team answered:
I would definitely speak with a good local lender. Have them pull your credit report, identify the areas that can be improved and they will give you a plan to move forward. Chances are that you'll need a bit more time than 7 months. ... more
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Fri Jan 4, 2013
Is there a dollar figure in the balance due column? It could reflect the amount charged off.
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Wed Jan 9, 2013
Alison Hillman answered:
Hi there,

I would recommend working with an agent, take a look at our directory list. I hope this helps!

Ali, Community Manager ... more
0 votes 1 answer Share Flag
Mon Feb 17, 2014
Bobby Atkisson answered:
We go down to 560 on FHA loans! We would love to help you out you can reach me at 800-537-2050 or email me at As well you can fill out an application at and we will get back with you within 20 minutes! ... more
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Mon Dec 31, 2012
frankeamber asked:
I did a quit claim deed to get my co-signers name off the title, but their name is still on the loan. What happens if they do not show up at closing to sign the papers for me to sell, w...
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Wed Sep 18, 2013
Fred Glick answered:
It's not unusual. There algorithms are different and produce different results.

Because of that, mortgage companies look at your middle score..
0 votes 6 answers Share Flag
Sat Dec 22, 2012
Ron Thomas asked:
It is supposedly a Credit Reporting/Recourse:
Have you also been fleeced by them?
0 votes 0 Answers Share Flag
Sun Apr 28, 2013
Julie Rosenthal answered:
Hi it could be possible please see for free informations and to see all listings
0 votes 5 answers Share Flag
Tue Dec 11, 2012
Pamela Shemet answered:
Mon Jul 29, 2013
charles butterfield answered:

You can pull your own credit score and it will not count against you as a credit inquiry and it will not affect your credit score..

0 votes 11 answers Share Flag
Sat Dec 8, 2012
Lori Jeltema answered:
Kristy, you need to sit down with a good lender and go over everything. Someone may give you advice that seems good to them but will hurt you. For instance, someone may tell you to close out or reduce the amount of credit cards you have and it may be a bad idea. Some unpaid amounts showing up on your credit may have to be paid prior to closing, some don't. Some debt, in certain instances, can actually be paid by the seller. Find a good agent or find a good lender and sit down and have a plan. If you don't know of any, look at some of the profiles of agents on Trulia that work in your area and contact them. Often, agents work with a few lenders that they can refer you to. Good luck. ... more
0 votes 7 answers Share Flag
Mon Jul 8, 2013

Curious about your question? Are you wanting to establish evidence of something, or are you trying to establish a "claim"? If it is the latter, depending on the situation you may be able to file a mechanics lien on the title of the property (for any work done) and/or file a small claims suit.

Understanding a little more on the background on your question will elicit a more in depth and accurate response.

All my best,

... more
0 votes 2 answers Share Flag
Thu Dec 27, 2012
Michael and Maricruz Martinez answered:
It's unlikely that you will be able to qualify for a loan, but you should talk to a loan officer. If you don't know one, I would be happy to recommend a couple of different people to you. A good loan officer will be able to tell you if you qualify for a loan, and if you don't, he or she will be able to guide you to know what you should do to shore your credit up.
Best wishes,
Michael Martinez
(602) 432-0066
... more
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