How can I get a mortgage with a 480 credit score?

Pashery3349

How can I get a mortgage with a 480 credit score?

I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?

Answer : I would recommend one to visit this website where one can get from the best companies: http://creditandfinancesolution.info/index.html?src=MEDFEBaeCh7een5 .

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Ok I know that you can go to annualcreditreport.com and get a credit report once a year for free. But what good is a credit report? Does it show your FICO score? I just want to see my FICO score for free. Everytime I try, I am redirected to Equifax, Experian or TransUnion and they want $7.95 to view it once.””
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What will happen to the car after bankruptcy?
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Is length of employment really important in getting a good rate when buying a home?
We are wanting to buy a house this year (probably in the next 7 months), but I have been wanting to look for another job. I know lenders check length of employment, but would starting a new job really affect our loan rate? Our credit is pretty good.””
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Where can i find a mortgage interest cancellation calculator online?
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Credit Score?
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What is the average price for an Illinois bankruptcy attorney?

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What website do you go to get the annual free credit report?
the one you dont have to put in credit card the one that clinton approved to use once a yr for free
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“”How can I get a personal loan, not a payday loan?
I am looking into getting a personal loan of about 5k. Does anyone know of any lenders that will assist? I need lenders that work with all types of situations and have experience working with persons with little or no collateral or damaged credit. I just purchased a home so i do not have any equity yet. Any help would be appreciated.
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Cash advance from tmobile rebate card?
anyone have any experience? Me and my bf both got our rebate cards in the mail today we have 2 different accounts but both bought phones at the same time with our tax return. His prepaid card has his name on it, mine has my mother’s name since the account is in her name. so my first question is will the bank let me get my cash advance or does my mother have to do it since it says I have to bring valid ID to the bank and obviously our names wouldnt match. My mother does not have time to go to the bank with me. My second question is it says I have to fill oit a request form before receiving the cash, is this instant or something that I will have to wait for? Im tired of waiting its my money and I need it now!”””” Lol not really but you understand. I hate using cards I just want the cash.””””””
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Is it bad to apply for more then one credit card in a day?
Im trying to get a new credit card to do a balance transfer from my Home Depot credit card before the APR rate goes up to 25% in October. I just applied for the Blue American Express card and was declined. Can I try another card today? Or should I wait? My credit score is in the mid 600’s and I just bought a house in March, so I thought that I was good to go when applying for a card. Also, I was wondering, do any credit cards do the balance transfer or only certain ones?””
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Where do I apply for a cash advance loan without a checking account.?

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Why is it called free car fax reports then you ask for a credit card not everyone carries a credit card?
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Does anyone know what lender has the lowest auto loan rate on the market for used cars?

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No income auto loan how to do it?

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How to get credit benefits of auto loan while paying in cash?
I want to buy a car. I want to pay cash. But I was to be able to gain the benefits to my credit of having an auto loan and paying it off successfully. Is there anyway to do this? Would it be bad to open a loan and then pay it off in full the next month? If it matters, I live in Arizona, and would probably be paying about $10,000 for a car. I just don’t want to have to deal with an auto loan but I want to show that I am fiscally responsible person when the time comes to purchase a house, and lenders can see that I have paid off a car that was on a loan. Is there any easy way of doing this, or repercussions to paying off a loan so quickly? Thank you!””
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Will filing for bankruptcy if I’m newly married hurt my spouse also?
Went to Credit Solutions to resolve my debt, but they REALLY SUCK! Now I have to appear in court next month. Any answers, people, please?””
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Applied to refiniance auto loan got denied because i have no open auto loan?
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Credit card for college students with no income?
I’m a full time college student with no income (for obvious reasons), and doesn’t receive scholarships, grants, loans, or financial aid. I do have financial assistance from my parents (as their dependent). Am I eligible to apply for credit cards still, considering all the changes since 2010 for minors/no income folks? And would I be eligible without a co-signer? I don’t plan on using it, just want to build my credit.””
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Can I keep any cash after filing for bankruptcy?
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Where can I read Linger by Maggie Stiefvater online for free?
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“How can I get a mortgage with a 480 credit score?

I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?


Any private investors i can borrow 30k from?
Looking to borrow 30k for a personal business loan/investment. Need the funds for approx 5mnths as up front monies and at no point will 5% of the total amount be jeopardized at any one time. If i don’t see the potential ROI actually w/i the first 2mnths i will cease the venture and return monies loaned on an agreed upon payback amount. No deception here, I am 27 years gainfully employed of which 22 of those were served in the Military and the rest in the Dept of Corrections so employ-ability history and future is solid. Have a new home purchased recently for 275k but unfortunately has lost approx 30k in value due to the current economy. So no HELOC accessible at the present plus a recent DIVORCE gut punched me a little bit. Have beacon scores in the 700s but w most lending facilities you have to show a need not to need a loan b4 they give you one. NICE!!! So there it is. Someone out there has a nice profit potential in me if given the opportunity. thank you in advance…ebnypnaple@yahoo””
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“”I’m a first time home buyer and I only make $30,000 a year. I wanted to know with a home loan, would I still have to put a down payment?

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Is it usually easier to get approved for an auto loan at your credit union?
Do they generally just go by your fico scores? What else may they look at to determine if you get approved?
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I want an online payday loan but only have a savings account where can i go?

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How good is a 760 FICO credit score?
Considering some credit card debt, and two mortgages?””
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#repost

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“”Does anybody work for sitel, work at home?
im trying figure out if this is a legitimate work at home job.is this a good safe place to work?
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Will having a charge off removed from my credit raise the score any?
I have scores of: 554/495/524. The bank has agreed to remove the charge off from my credit because it was for a small amount of 328.00. When they remove it, will my score go up, and by how much?””
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Can they repossess my car if I only owe $730 on my auto loan?
I will pay it soon. I just do not have the money now.
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Which is the best website to check…..?
my credit score??? Is it free to check or is there a fee?
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#repost

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How much is too often to check your credit report?
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Bankruptcy rules…..?
hi, I’m married. I have excellent credit and I pay the majority of the bills. We have 2 sons together. She has another son (not mine) where the dad keeps finding ways to avoid paying child support. Her credit is good but she is not able to get her credit cards down. Is it possible for her to claim bankrupty without hurting my credit to help her with her credit card debt. Or is it not feasible since we are married. We were just wondering what the rules were because if we could wipe out her credit card debt, the financial burden would be considerbaly less. Any advice is appreciated.””
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“”Why are there easy cash”””” title loan

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Where can i get a legit loan with no credit fast ?
I need like $3000 asap but i have no credit so going to the bank is out. I have a job and can pay it back every month. Not looking for a payday loan am looking for a personal loan that isnt gonna have outrageous monthly payments. Any help would be greatly appreciated
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Where to put the home loan ( section 24) i.e.Rs.150000 in ITR form to file the income tax?
I am unable to find the section 24 in the E- income tax return file. I want to file the return online. I have downloaded the xsl file from the Income tax site, but unable to find the deduction section for my home loan (Rs.150000)””
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After filing bankruptcy how long will it take to get a loan to buy a home?

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How can i get my credit score for free without calling on the phone or giving out my phone number?

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#repost

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What are some good places to apply for a personal loan?

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Where can I find a good interest rate on an Auto Loan if i have bad credit?
I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better than 25%???
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Can a bank open an account and issue a card without your consent?
I HAVE read everything. The account has been opened. I came with a card member agreement and gives you a number to call if you want to CLOSE the account. The card does need to be activated, but it appears that the account has been opened. I am always getting pre-approved OFFERS, but I’ve never received an actual card.””
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Does anyone know of a cash advance place that will loan you money with only a savings account?
I am also looking to find a safe place for my best friend who is homeless does anyone know of a place to get a free motel voucher in Hemet California please no hurtful answers.
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“”If the Federal Government was a private corporation, how many times would it have declared bankruptcy by now?

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#repost

“How can I get a mortgage with a 480 credit score?

I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?


I have a bad credit score (524). Any info or advise you can give?
Me and my bf want to get our own place once he has a stable job. How long does it take to have negative items such as delinquent or collection accounts to go away? (I’ve had some employment issues past recent months) Also, how can lowering my account balances affect my score? My cards are almost maxed out.””
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#repost

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Auto loan question due to credit?
I am gonna try to buy a $4200 car from a dealer. My credit is 600 and I will be putting a $1500 down payment on the car. That’s 35ish % of the total price. What’s my chances at getting financed for it? I’ve been turned away from too many dealerships in my life due to credit or other bs to go through it again years later. Nowa days the 50% of the US are below 600 with credit so maybe I have a good chance at it?
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Are there any payday loans that do not use telecheck?

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Is there a way to get credit score report without a credit card and any charge for free!?

“”
How much does a credit score improve after bankruptcy falls off a credit report?
We are hoping that our credit score has improved greatly now that the bankruptcy is off (it was a long 10 years) and we haven’t acquired much debt.
“”
There is a house on a website that has filed Chapter 11 Bankruptcy. Can I make a private offer on the house?
The house is a very large house in my town, and I noticed it has filed bankruptcy. I am not an attorney, so this is a dumb question perhaps, but what is the process from here on forward regarding the possible sale of this house? Will it go on the market? If so, can I approach the homeowner with an offer?””
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“”Where can I find a Private Student Loan that DONT do credit checks?””””””
I will be starting class online at University of Phoenix. My FAFSA and everything is not enough for my expenses. I need a private loan that I can payback once graduated. I need maybe 4–5 thousand at the most. NO ONE can co-sign for me so that is NOT an option. My credit score is in the low 500 so its not good at all. I would prefer a student loan but also if you could give me websites on loans period that would be good also. NO PAYDAY LOANS! and remember….NO CREDIT CHECKS……Specifically for Students or people in general with LOW credit score, NO credit or BAD credit. And I dont need ignorant remarks, PLEASE ONLY RESPOND WITH HELPFUL INFO! I would like guaranteed APPROVAL… Thank You in advance””
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How many credit card holders declared bankruptcy last year?’?

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Will my truck be liquidated in a chapter 7 bankruptcy?
My parents may be filling for a chapter 7 bankruptcy and have 4 cars in their name (my truck included). I just paid my truck off and am about to put it in my name. If my parents file for bankruptcy soon after I put my truck in my name can they still take my truck? I heard there was a year time period between letting go of assets and filling for banckruptcy before those assets cannot be taken. I live in Colorado Springs, im sure theres different laws depending on state of residence.””
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Is a salary advance taxable at the time of the advance or when the payroll check is written?

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If you have filed for bankruptcy. How long will it be before you are able to take the series 7 exam?

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How do you structure a auto loan+finance?

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How can I find out who I owe money to without a credit report?
I owe verizon and capital one money and I do not know how much its been like 4 years now…. I need to find somewhere where I can look this up
“”
How do mortgage companies verify employment?
I am trying to refinance my mortgage. The rates are so low that doing this will actually save me hundreds each month. However…I am self employed (vp of an s-corp). I provided the bank with the name and address of the company and the company’s phone number. They never asked if i am self employed. How do they verify employment? Do they search public records or do they just send a form and make a phone call? Also, not to long ago, my company could not pay my salary so I was on unemployment for 8 weeks. Now I am back to work. Will they search for this? Otherwise perfect credit. No problems with debt to income etc.””
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Statute of limitations on a debt in az?
i had looked it up previously and found out that it was six years. then i mentioned it to my sisters mother-in-law who is a paralegal and she said when they changed the bankruptcy law to 10 years they changed the contract law too. so i figured if all of them were saying 10 years they had to be right. thanks, now can you tell me if i can get them to not charge the card?””
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Ordered Domino’s pizza online with credit card? 10 PTS!?
oops forgot to say she went out for the night too thats why shes not here and stuff
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“”Looking for a 7,000 loan?””
lI am have been looking for a 7,000 loan here online. Everyplace I have looked as redirected to me to a payday loan. Can anyone give advise where I can go to apply””
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My parents went through bankruptcy. Does this help me?
My EFC said that my parents could contribute $6,000 to my schooling, which is ridiculous because we don’t have that kind of money. They recently had to go through ch 13 bakruptcy and I was wondering if this would help me get more financial aid or if it will affect whatever Financial aid I can get in the futre?””
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Please some one help me how to deduct my home loan interest in ITR form 1?
for online e-filing submission purpose
“How can I get a mortgage with a 480 credit score?

I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?


Is a credit score of 687 good?
This is my FICO score.
“”
Do you think an 18 year old girl will be approved for finacing a new car?
I want a mercury suv. also, please describe the process of buying a new car off the lot. will the financing only take a couple minutes? Do I have to come back?””
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What is MIP/PMI/FF on a good faith estimate?

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I have a lien on my car. Can I get an auto loan?
I haven’t defaulted on my loan, my car was just used as collateral. I don’t want to sell or trade the car, I just want to get another car. I just didn’t know if this will affect if someone wants or can give me a car loan.””
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IS hard inquiries permanent on your credit report?
I recently decided to start rasing my credit, i have no credit at the time so i started sending 5 credit applications, i got denied on all, bummer..so i decided to get my free credit report just to check it, well i found out what hard inquiries are and they do affect your score, i am one hard inquiry away from being on the HIGH RISK zone…so are they permanent or do they go away over time?..i am paranoid now from sending another application in the future””
“”
What does 0x30 mean in mortgage terms?

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Explain second mortgage?
Some people get a second mortgage on their house. HOw can they if the house aint paid for?
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Looking for a legit private lender in australia?
pls can someone give me some names of private lender in Australia, I’ve been searching for a loan of some sort for the past 6 months and in that time Ive been scammed and coned out of over $2000 needless to say Ive heard and seen every line in the book by name .. and am simply looking for someone who’ll take a chance and be pleasantly surprised?? pls post names and email address of where these people can be contacted””
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What kind of interest rate can i get when buying a new car with a credit score of 734?

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What are the chances of me getting a loan for a car after bankruptcy?
Where I live you have to have a car to get around, If I don’t have a car then I can’t have a job, if I can’t have a job then I can’t pay for a home. The reason we filed for bankruptcy is because my husband is ill and had a ton of medical bills. It wasn’t because we were irrisponsable and just didn’t want to pay our bills. We couldn’t claim bankruptcy on only one thing we had to do it on everything. When we bought the car we have my husband was working and we could afford it just fine, people do get bad luck and can’t avoid it. We weren’t being irrisponsable and we had no choice but to file.””
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What are the cheapest reliable credit score companies where I Can get that efficient credit score that I need?
What are the cheapest reliable credit score companies where I Can get that efficient credit score that I need? I need to know what my credit score is so I can start looking for an apartment. And I know it must be bad, but I just want to make sure that it isn’t tooooo horrible. Thanks.””
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I filed chapter 7 bankruptcy. When the banks sell my house who is responsible for the remaining balance?
Example- I owe the bank $98,000 the bank is only able to sell the house for $80,000 By filing chapter 7 does the bank eat it or do I pay””
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“”I am pre-approved for an auto loan, how likely am I to get approved?””
well for starters, I don’t think I asked for a lecture about my finances. For those asking legitimate questions, I also receive scholarships and student loans which cover my living expenses but I am not allowed to claim that as income. The $650 a month is what I make from my part-time job alone. Also, I clearly said a $12000 loan, meaning that is what the total loan amount would be, not more considering the car cost $13979 including tax,title, and license, and I have a $2000 down payment. My interest rate upon pre-approval was 2.84%, and my payments for the car would come to around $220 per month, possibly less. My father will be paying for my insurance. So now, with this information, I’d appreciate thoughtful responses. Thanks to those who decided not to lecture someone they don’t know on how they spend their money. Obviously I know how to pay my bills and budget accordingly, considering my credit score is not too shabby for a 21 year old.””
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What is the name of the best Monolingual german advanced dictionary for learners?
u know like the oxford english advanced dictionary for learners.And could u please one good german slang dictionary too.Thank you.
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How do I find a loanshark in Michigan?
I need to find a loan shark in Michigan. Does anyone know any or could they send me in the direction of one. My email is threesenough5@yahoo.com I am not a bad person with a past of not paying bills. I had money stolen from my bank account and it is taking some time to recover it. In the mean time I have never had credit cards (due to high interest rates) so I need to find a loan shark fast so I don’t get behind on my payments. Thank you in advance for any help you can give me. At this point I am willing to pay any interest rate to protect what I have. Thanks.
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Does a bankruptcy 13 effect your credit differently then a bankruptcy 7?
its spiral out of control…..no choice :(
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What is the best and easiest way to fix your credit report?

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#repost

“How can I get a mortgage with a 480 credit score?

I have an average 480 credit score but a local lender told me I needed at least a 580 to qualify for a FHA loan (1st time buyer/low down pmt). My boyfriend (co-borrower) has a 700+ credit score and they still wouldn’t loan us the money. Our income is decent and I have started cleaning up my deliquent accounts, what can I do to get into a house now?

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