Credit Help Now!

October 28, 2008

How much does a credit score improve after bankruptcy falls off a credit report?

credit score
GreenFam asked:


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.

DAHL

October 25, 2008

What credit score must I have to qualify for a prime home loan?

Filed under: Credit Score — Tags: , , , , — @ 2:24 pm
credit score
lremmell64 asked:


Right now I qualify for a sub-prime loan but want to get a better interest rate, so that means I need to improve my credit score.

BATTLE

October 19, 2008

What are some of the lending banks that help with home loans and bad credit?

Filed under: Credit Help — Tags: , , , , — @ 2:13 am
credit help
thomas p asked:


I HAVE A LOW 500′S CREDIT SCORE, WE HAVE BEEN A STRUGGLING FAMILY FOR YEARS NOW, WE HAVE 7 KIDS AT HOME, 4 ARE FROM PREVIOUS MARRIAGES.WE ARE IN THE NEED OF OWNING OUR OWN HOME, IVE RECENTLY GOT A PROMOTION AT WORK THAT ALMOST DOUBLED MY INCOME.BETWEEN THE BOTH OF US WORKING WE MAKE ROUGHLY 80 A YEAR. CAN WE STILL GET HELP WITH A HOME LOAN?

EPSTEIN

October 18, 2008

How can my bank help with credit debt?

credit help
Lupe Love asked:


I am a soph. in college and make some big mistakes with my credit cards. I maxed out 3 worth 3,000 a piece. I am working with one of the credit card companies with payments as we speak, the other 2 have been sent to collection agencies. I work full time as well. I dont know the best way to go about this but I want to resolve this logcially and as quickly as possible. Is it possible for my bank to help me? Or should I try something else?

BATTLES

October 10, 2008

How is my credit score affected after I get approved for a mortgage?

Filed under: Credit Score — Tags: , , — @ 12:53 am
credit score
Flavia M asked:


I have been paying for my new mortgage for 2 months now, and noticed that my credit score went down more than 50 points since the mortgage loan appeared on my report. Why is that???

FUGATE

October 4, 2008

Does paying off your credit card help your credit score?

Filed under: Credit Help — Tags: , , — @ 12:11 am
credit help
Mitch asked:


I have a credit card of a limit of only $200. My credit score is poor right now I don’t have much reporting to my credit. If I pay off my credit card will it help my credit/credit score go up?

SHELBY

October 3, 2008

Credit help?

credit help
teaster asked:


okay, I used to be in debt with some credit card companies, but all of them are paid and I’ve been debt free for about two years now. I’m trying to rebuild my credit, but no one will give me a credit card. I’m in no need for a house or new car, so I’m not goin those routes. I have student loans that I’m abou tot have to start paying back….will this help my credit? (I know that paying them back will, duh, and I intent to do so…but will just having a loan that I’m paying on look good?) Also, I attempted to get a credit card and was turned down for these reasons:
-DELINQUENCY ADVERSE PUBLIC RECORD OR COLLECTION
-LACK OF REVOLVING ACCOUNT INFORMATION
-TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

My credit report says that the delinquencies could be on my record for up to four more years…is there any way to speed that process up?? I mean, I realized I screwed up in the past, and while I’m not looking to purchase a new car or house now, I want to be able to eventually.

CAMPBELL

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