Close

See current mortgage rates on Zillow Mortgage Marketplace

I don't have a much of a credit score because my credit was mixed with someone else. Need a loan bad

Profile picture for gramstired
My husband and I walked away from a house and things over 15yrs ago but we paid things as well as we could some where forgiven. We figured a few years ago that we would try to start getting credit and we have been trying since 2002 at least. and we couldnt get anything.We went to buy a truck and they just said no and we did get a letter from the credit report company but we had never gotten very many straight answers.  well my daughter told me to go to annual credit report and lo and behold they had my credit mixed with someone else and they have gone wild.  I did everything ti dispute things and after months of back and forth I think it is taken care of now I have really no credit score and I want a loan my husband diesnt have a real credit score either.  we have jobs we have both been at for over 10yrs and I can get the 3.5 for an fha loan but the bank in my area said they can not do a loan with a low score. I really want to buy instead of rent we have a slum lord lets put it this way we need a roof and he has known scince July and nothing and forget renters rights they give you the run around.  awhy should I take and put down on a rental that I could put down on a house I could own. It's not like we didn't try to get any credit but no one would give it I wish it was the good ol days when you went in and said I paid this person and they checked with them. As I said any help getting a loan would be gratefull .
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

November 26 2009 - Accomac
 Share
 RSS
  • Be a Good Neighbor. Be respectful and on-topic. No spam or self-promotion! See our Good Neighbor Policy.

Answers (3)

Profile picture for www.dannycurrie.com
Or use alternative tradelines and add them to your credit report and then have it rescored. This is a common practice that produces positive results quite often.

Perhaps you could discuss this with a loan officer that is in your sphere of influence and discuss it with them.

I hope this helps good luck.
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

December 23 2009
Profile picture for LoanModSpecialist

you first need to go get secured credit cards and go to your local bank and get credit...start there and check back.

if you house is unsafe or not livable you have rights against your landlord.

  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

November 27 2009
Profile picture for GreatRateFolks
Hi Gramstired, it can certainly be frustrating when the credit bureaus mix your credit with someone else. I remember when I bought my first home, they had "me" owing Sears 25K in Kansas City and 15K in California. Since at the time I had never lived at either place, I got it fixed, but it took a few months, and was not fun. You should find a great lender that offers free credit repair and rapid rescoring. Hopefully, they can help you build your credit scores and get you on your way to a new home. Good luck. Jim
  Flag content
Close
Report a Problem

Please enter a valid email address.

Stating a discriminatory preference in an advertisement for housing is illegal. If you think this content is discriminatory or otherwise inappropriate and feel it should be removed from Zillow, please let us know by completing the information above.

Close
Content flagged

We will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.

Close
We're Sorry
This service is temporarily unavailable. Please come back later and try again.

0Yes

November 27 2009
 

Have a question? Ask it here.

What's this?
Close

By starting a discussion, you can expect more of an interactive, back-and-forth experience where the conversation can go in many different directions.

Or start a discussion
Related Questions
Profile picture for Danny Currie
QuestionI don't have a much of a credit score because my credit was mixed with someone else. Need a loan bad
  • Latest answer by Danny Currie
  • December 23 2009
Compare Mortgage Rates

See Accomac mortgage rates

Be A Good Neighbor

Zillow® Advice depends on each member to keep it a safe, fun, and positive place. If you see abuse, flag it. More on our Good Neighbor Policy