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Credit Score in Myrtle Beach : Real Estate Advice

  • All813
  • Local Info65
  • Home Buying302
  • Home Selling11
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Activity 3
Thu Feb 16, 2012
Don Clark answered:
You'll get a lot of different responses from us agents who would each one like your business. I have a friend who is the best lender and would be happy to answer all of your questions. If you find this helpful please consider me to help you find the ideal property. My cell 843.457.7339
Call Roy with no obligation:

R. Roy Dunn | NMLS #322102
Real Estate Mortgage Network, Inc.
Myrtle Beach, SC 29577
4214 Mayfair Street, Suite D
Ph: 843-446-4663 | F: 803-753-9432
... more
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Thu Feb 16, 2012
Alan Grizzle answered:
The best thing to do is to apply for a mortgage. As soon as the lender pulls your credit he or she can tell you if you are qualified or not. If not they can advise you of what you need to do to pull your credit up a little higher. They can also tell you how much you are quallified to borrow. ... more
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Sun Mar 13, 2011
Kenneth "Kip" Nance answered:
I have a loan officer that will be able to help you and offeres a plan for credit repair. They are very proactive and if the plan is followed they can rebuild your credit quickly. I am familiar with the loan program you indicate above. It is through the SC Housing Finance agency and there are only a few lenders that have and offer the program. This lender is one of the few that offer it. The properties have to be designated as one the homes that qualify for it as well. Credit scores can be bettered by decreasing the amount of outstanding balances on your credit card so that you credit limit to outstanding loan balance ratio would be decreased. The bureaus run a formula on the amount of debt you presently have to the amount of credit you can get.. so if you go over 50% it seems to decrease your score drastically. Example if you have 1000 credit limit and have over 500 on the balance it can drastically hurt your score. I worked as a credit manager for 13 years and I learned a small strategy that helps mine. I use credit cards for gas and such and try to attempt to pay off the entire balnce each month. Credit card companies report monthly to the bureaus and they do it at a certian date... So I personally called all my credit card companies and asked what day my account was reported. It was then that I always made sure that no set card had more than 50 percent of the available credit on it on that date.. It has worked for many years and I hold a constant score of well over 800.. I will be happy to send you the loan office and companies information at your request. Email me at ... more
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