Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Credit Score in 19099 : Real Estate Advice

  • All0
  • Local Info0
  • Home Buying0
  • Home Selling0
  • Market Conditions0

Activity 19
Wed Sep 18, 2013
Ron Thomas answered:
You probably don't!
But the Credit Companies are not working on Trulia; maybe you should be talking to them.
0 votes 3 answers Share Flag
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 Jul 27, 2013
Kelly Ward answered:
Allied Credit Solutions can help repair your credit if you cannot get qualified for a loan. We offer a "true 100% money back guarantee, and our program is a MAXIMUM of 180 days. We are registered and bonded with the state and use Federal Law and your consumer rights to help you. Once we get a negative item off of your credit, it will be off permanently. We don't send out dispute letters like credit repair companies, we investigate the validity of the debt with the creditors, collection agencies, banks, etc..........Call me for a free - no obligation consultation. Our website address is

Kelly W.
National Account Manager
Allied Credit Solutions
800 901-8122 ext 206
... more
0 votes 9 answers Share Flag
Mon Oct 14, 2013
Suzanne MacDowell answered:
I would contact Bank of America and ask them to report the account. Then I would suggest you contact a local mortgage banker. They may have some ideas how to get this counted. The banker can tell you where you stand right now considering ALL aspects of your current situation, and what, if anything, you need to improve your situation so that you will be able to buy a home as soon as possible. There is a good chance they will even be able to tell you what to do with this secured credit card. By the way, I am not suggesting you contact a big bank, but a small local lender who specializes in writing mortgages. If you don't know one, contact a realtor and ask to be referred. ... more
0 votes 10 answers Share Flag
Fri Sep 28, 2012
Sheri Curci answered:
Hello Mijraneb, You should have your realtor research recent homes sale on distressed homes and compare them to recent home sales that are in normal condition.

Do you have a realtor thats helping youYou?

All the best John Curci RE/MAX 215-757-2889
... more
0 votes 3 answers Share Flag
Tue Jul 16, 2013
Freddy Solis answered:
One that you will love and care for for many years. Banks will be lowering requirements for home loan qualifications in the near future, save some money and get ready to start house hunting with your favorite local Realtor.

Good luck

Freddy Solis
... more
0 votes 10 answers Share Flag
Fri Jul 19, 2013
Anna M Brocco answered:
The better the score the better the rate; if looking at an FHA loan, most lenders prefer 640; visit with any licensed loan officer, for a personalized answer....
0 votes 9 answers Share Flag
Tue Jun 11, 2013
Jeanne Feenick answered:
Hi there - just posted but my answer didn't seem to take - so I'll try again, excuse if a duplicate.

It sounds to me as though you have established a good payment record with your current landlord, that will go along way. Be prepared to provide an explanation if your credit score is suboptimal, and provide verification of consistent and timely payment to current landlord. Add to that employment verification and some recommendations and you should be off to a good start.

Good luck to you,
Jeanne Feenick
Unwavering Commitment to Service, Unsurpassed Results
... more
0 votes 15 answers Share Flag
Fri Sep 28, 2012
Sergio Hernandez answered:
Offer to pay rent in advance.

Who rent to own benefits depends on how the agreement is structured and has no correlation to someone with poor credit.
0 votes 10 answers Share Flag
Sun Dec 19, 2010
Scott Godzyk answered:
I think they look for negatoves such as bounced checks, closed account leaving balances or negatove balance accounts. You can always ask a personal banker at any of teh major banks what their criteria is for opening an account for their bank. BOA is more liberal than any other bank. ... more
0 votes 0 Answers Share Flag
Mon Dec 20, 2010
Timothy Garrity answered:
Hi, Jeanette.

If you need help with your credit report (and/or credit repair), please let me know and I'll refer you to a contact of mine.

Best of luck!


Timothy M. Garrity | Brown McKinney Real Estate, Co.
Real Estate Professional & Consultant Email| Website
215-825-2250 x 1007 Office | 267-879-2716 Mobile | 267-519-5490 Fax
... more
0 votes 3 answers Share Flag
Sat Dec 18, 2010
Phil Rotondo answered:
Pay for delete agreement is normally made with the original creditor or the collection agency to remove an outstanding debt listing from your credit report.

If the name of the collection agency or the creditor gets listed in your credit report with a particular debt, you should first ask for debt validation by sending a Debt Validation letter to the creditor. Once your debt gets validated by the creditor, you need to send a Pay for delete letter ... more
0 votes 2 answers Share Flag
Tue Sep 5, 2017
James Gordon ABR SFR SRS answered:
Melvin I am not sure that the Food and Drug Adminstration makes home loans. You may want to sit down with a local loan officer and find out what financing options are availble for you.
0 votes 6 answers Share Flag
Tue Jan 2, 2018
Bruce Lang answered:
Dear Michael....renting is always a negotiation. I have rented to people with poor credit but required all rent paid up front for 6 or even 12 months. Sometimes, being honest and appropaching a landlord works. Good luck in your search. ... more
0 votes 26 answers Share Flag
Fri Sep 28, 2012
Dan Chase answered:
620 is what I keep seeing here. It could go higher. Occasionally I see 580, but the consensus seems to be 620.

I would talk to a local lender. Have them pull your credit report and see what can be done to improve your score. It will take time. It will take commitment. It is possible to do in a few months for many people.

You could also look at and find the way to get your free once a year credit report instead.
below is a blog that gives some good ways to improve your fico score. I hope it helps.
... more
0 votes 4 answers Share Flag
Tue Oct 29, 2013
Sean Dawes answered:
If you cannot find any lenders (as most will require 620 or higher now) how about doing a lease option to buy until your credit is where the lenders require?

Basically you rent the property with part of your rent going towards the downpayment for 6-12mths and then purchase at the end of the lease.

Sean Dawes
... more
0 votes 5 answers Share Flag
Fri Sep 28, 2012
Dan Chase answered:
I do not think anyone can answer this correctly. It all depends on what is taken off and how strongly it affected your score originally. If you have something very serious taken off it could make a really big difference. But if it is something very small it might make almost no difference.

The best thing to do is talk to a credit counselor. You can show specifics and then maybe they can give an idea.

Then make sure you pay off all your debts. Pay off high interest first, then next highest and so on. Forget you have credit so you pay cash and paying down debt will help your fico score the most.
... more
0 votes 10 answers Share Flag
Sun Apr 29, 2012
Dan Chase answered:
This is not a wise-crack. STOP paying your debt amount due on time. I do not mean stop paying, just the reverse. Pay MORE than you are supposed to. The less you owe the higher your fico score will become. I have no idea how long or how much it will take to improve your score enough.

It really all comes down to your debt availability compared to your debt owed. If you lower the % of debt owed it helps your fico score. Naturally, late payments, bankruptcy and such will not disappear. But with time your score will improve.

Did you try FHA and many other financing options? The more lenders you talk to the better chance you have to find help.
... more
0 votes 4 answers Share Flag
Fri Sep 28, 2012
George Slawter answered:
You can call Wells Fargo Home Loans, they are a very reputable mortgage lender. One of their loan officers is Lisa Dreyer, her number is 267-795-8188. She will provide you your credit score for free. I'm not sure why you need to know your score prior to the lender knowing it? The lender is typically the best source for finding out what your score is. If you have any other questions, you can call me at 215-676-0863 or email me at Thank you and God bless ... more
0 votes 11 answers Share Flag
Search Advice