Credit Score? Report?
Posted by admin on January 30th, 2012
Question by JellyCat:
Credit Score? Report?
I have used the free credit site and found that I had a charge off of a card from 3 years ago, which about 2 years ago I paid it off. The bank doesn’t dispute it was paid, and says I’m current and that’s history. My credit report on the other hand says it’s charged off. When I mentioned this to the person on the phone from the credit card company he said it was going to stay charged off. Even though it was paid? Something abou……Read More »
Credit score if you cancel credit card?
Posted by admin on January 30th, 2012
Question by nskbalu:
Credit score if you cancel credit card?
I do have 3 credit card with 15,000 limit with credit score around 650. If i cancel one credit card, will my credit score gets lower than current one?
Please do explain in brief.
Thanks in advance.
Best answer:
Answer by $ m¤¤v¥ £¤¢¤Yes, because by canceling one, it decreases the combined available credit making it appear that you’re using more than you’re able to. Also, if it’s one of the first cards you opened,……Read More »
Where can we go to check credit report for free online without checking score?
Posted by admin on January 30th, 2012
Question by altpe09:
Where can we go to check credit report for free online without checking score?
I’ve tried a few websites, but whenever I fill out my info, they end up asking me for my credit card info. Which means, they’ll probably take away money. I want it to be free. I don’t want it to be free for 30-60 days then pay. Does anyone know what I mean? If so, please help me find a website where people can check their credit report without having to worry about making any p……Read More »
What is my chances of Mortgage approval in this crazy Market?
Posted by admin on January 30th, 2012
Question by Dwan J:
What is my chances of Mortgage approval in this crazy Market?
I have a file in underwriting with CITI Mortgage. My credit scores are 648,634 and 622. My DTI is around 18%-20%. I have 0 late payments for the last 3.5 yrs.I have been employed in the financing dept. field for 9 yrs. My Broker stated that I possibly could qualify for the My Community Mortgage Program and a stated income loan for first time buyers. But if not I have a 10% down payment on a purchase price of $ 1……Read More »
would i get approved for an FHA loan?
Posted by admin on January 30th, 2012
Question by :
would i get approved for an FHA loan?
my wife and i make an average of $ 2,900 a month, i have a credit score of 643, would i be approved for a $ 100,000 home loan?
we live in houston, tx
Best answer:
Answer by Howard L643 is not a good score but based just on your income to what the house payments will be I think you have a decent chance if you don’t have much outstanding debt and put down 10% or more.
Apply for the mortgage and find out.
Give your answer to this questio……Read More »
free credit counseling advice?
Posted by admin on January 30th, 2012
Question by kate V:
free credit counseling advice?
I need advice what to do. I have about 9 bad credit charge off’s that affect my credit score negatively. Some of them I have paid off partially, some not yet. I am wondering if I should contact credit counseling for advice on how to imrove my credit score-will that help?
Most of these accounts should come off in a year or two (it willbe seven years), but I need to find out those that are not payed what will happen to them? Can credit cou……Read More »
How do I raise my credit score quick?!?
Posted by admin on January 29th, 2012
Question by Hannah’s Mom:
How do I raise my credit score quick?!?
My husband and I found an unbelievable deal on a house and I need to raise my credit score 57 points as soon as possible.
I have no credit cards because I was always been told to stay away from them and I have absolutely no debt so i can’t pay anything off early. Please help!
Thanks!
Best answer:
Answer by Steve DCredit scores do not go up “quick” – the best you can do is apply for a credit card or……Read More »
Check Systems any info how to repair credit? Free credit Reports available w/ no strings attached?
Posted by admin on January 29th, 2012
Question by KB:
Check Systems any info how to repair credit? Free credit Reports available w/ no strings attached?
I’m 24 now and when I was young and stupid I trusted my ex and we got a joint checking acct. Long story short. I was told by him that he closed the acct(when we we’re 19) but actually he wrote a ton of bad checks but did pay the bank. But hey put us both on “check systems”. I found out after a year when I tried to get an acct at a diff bank, b/c he threw ……Read More »
What is your credit score?
Posted by admin on January 29th, 2012
What’s in your credit score?
Article by Chris Lee
credit score: everybody has one, and many people could use a better one. A good credit rating can help you not only get a loan, but get the best loan possible. In fact, most people do not realize that lenders offer a wide variety of loans and the type of loan you have the right not to be as good as the man sitting next to him. A piece of the puzzle
When it comes to your credit score, there are several factors that contribute to ……Read More »
