Archive for the ‘Renting & Real Estate’ Category
My credit score is horrible, but I will have 20K-30K to put down. I have no other debt, and a good income. Houses I am interested in are around 200K. Any advise?
Dirk Trappey
My husbands credit is much higher than mine. Will they average the two scores ort take the lowest credit score and base the mortgage rate on that?
Laverne Coger
Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out having a credit score over 500.
I have a fourclouser on my credit and a really old credit card bill that I refuse to pay. Other then that every thing else on my credit report has been paid. Some late some on time.
I have tryed every mortgage company on line and the bank in my town.
I DO NOT want to get a credit card to ‘fix’ my credit history. I have had those and I do not do well with them. Or a store card either. Or a gas card.
I think things will stay on my credit report for up to ten years but I would like to know if there is a mortgage out there that will give me a mortgage now. Yes I have thought about rent.
Adam.. What is a a self certify, tracker based mortgage ?
ok OPEN:
Why jump all over me. I was just asking for help. I DO NOT THINK I KNOW IT ALL.
YES I have had a credit card and I have come to learn that I do NOT need one. I have a debit card Visa card and that is ALL i need.
How can I fix my credit with out findone someone to help me out. Things happen, I am NOT the only one that has gotten in this postion.
I want to respond to why I refuse to pay off the credit card that is on my credit report. I had a credit limit of 300$ It got up that high and I decided that I did not need it any more so I canceled it.
Come to find out a few months of ‘paying’ on it to pay it off the credit card co. was still charging ‘finance fees’ to it. after talking to them they informed me they could not completly cancel it untill it was at 0.
I told them the reason I canceled it was cause I could not affored it. To add charges to it would not help me pay it off.
I have spoke to other credit card co and have been told they can stop charging to it it they want.
The credit card bill has gone from 350$ to over 15 hundred dollars.
Pride or not I find this unprofessional and rude and that is why I refuse to pay it.
If they would agree I would pay the original 350$ if they would take off the rest of the ‘Charges’
Beau Bugler
What is the minimum credit score that landlords want to lease an apartment to someone?
Jarrett Nierer
I have a question about flipping houses without investors. I have a good credit score (above 775) and am beginning to flip houses (the market has not slowed where I live). I am doing this on my own financially and am interesting in learning about how I can finance the flips without applying for a loan and consequently lowering my credit score with every flip. Thoughts? Thanks in advance!
Melissia Quitugua
I am working on rebuilding my credit, and believe I can reach 600 in the next couple of months. I’m looking at possibly buying a nice starter home, and there are many in my area in the $50,000-$60,000 price range that I could easily afford. I’d be able to get the 20% down that is usually desired. I’m gainfully employed, making about 50k/year.
So what is the minimum score I should work for before even thinking about talking to a Real Estate Agent?
Jamie Ware
I filed for bankruptcy in 2007, my current credit score is 640. How can I raise my credit score before purchasing a home?
Freddy Pennigton
Let’s say someone wants to get out of having to buy a new property they had put down a deposit for a couple years ago.
The only way I see to get that money back as stated in the contract is to disqualify for the loan per the developer’s selected lender. How can I do that?
So I’m wondering how low do I have to get my credit score to ensure I won’t qualify?!
Moshe Able
I need to get an apartment ASAP but last I checked my credit score was 615. I recently consolidated my student loans (I’m still in college) and was told that would help it. What does my credit score need to be in order for me to get an apartment?
David Prowse
I want to move in with a friend of mine, who’s apartment is run by a large company. I know they will do a credit check. My credit score is a 629… not the bottom, but not great. Do you think they’ll be okay with that?
To complicate matters, this company already approved me for a lease several months ago, but that fell through… I believe my credit was higher then. I really just don’t want to be stuck with nowhere to live. Please help, especially if you really know what you’re talking about!
Ernest Virgilio