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0 Best Answers
How many times does a mortgage company pull your credit before closing?
They pulled mine once. It was a 640, by the time it closed it was a 520 but they never repulled it.
I think Bank Of America forced me into a FHA loan a few years ago. Any thoughts
What sort of force, was there a Assault rifle involved if so I this could go all the way to Obama he seems to care about that more than the economy.
Student Loan -- Debt to Income ratio?
FHA is pretty easy. If you can show they are in deferred for at least a year then they will not be counted against you. Also your credit score will matter, anything under a 640 I wouldn't even bother your rates will be horrendous and you'll be paying for it for a long time.
Is a loan possible?
Ohhhhhhhhhhhh I give up.....Ok for all you who think it is not possible. This was my situation in 2010, I have paid off 71,000 in student loans, my CC's are at 0, my house loan is at 100,000 and I paid off my car. So basically I owe 41,000 on my student loans and owe 100,000 on my house and my credit score is 725. Anybody care to comment or beat me now? Yea on paper I am the worst possible person to lend money to but reality is I am a genius at paying stuff off. Thanks and have a good one.
Will consolidating my credit cards with an unsecured loan from a bank improve my credit scores?
I love the people that say yes....My answer is MAYBE...First off if you have 2 CC's open your good to go. If both balances are below 10% your good to go. If you transfer these balances to 1 single card and it puts you over 10% then you are NOT good to go and your credit will go down. Also don't close out those accounts unless they are under 1 year old, because they are establishing credit history and are good for you.
Is a loan possible?
I was wondering with a $112,000 in student loans, my CC's are maxxed at 4k, I have about $1100 in the banks and a 648 credit score could I possibly get a loan. I had a bankrupcy but that was 8.5 years ago and I have been paying most my bills on time. The student loans I put in forberance only cost me 4k in interest for the year so it shows that I don't owe on them for a year. I make roughly 46,000 a year. Thanks!
VA vs. FHA
I wanted a VA Loan, but I had a 60% Debt to Income Ratio, 112,000 in student loans, maxxed out CCs, and virtually no money in my bank account. I was forced to get a FHA but it is ok I got a nice home, and then my credit dropped the month after they ran it to a 520 lol, now thats Winning!
Hi Everyone,Can anyone help me if I have a credit score 548 - 580?... After evaluating the spendin
You need to look at why your credit is so bad and work on that....Nobody wants a loan for 30 years with a higher interest rate if you could have waited 1 year and saved yourself thousands...Also no one will touch you without a MINIMUM 620, 640 preferred :)
What to do with a faulty loan process
Screw Wells Fargo home loans. I applied for a home loan through them and then after I closed on my house they contacted me lol....I told them I already got a loan and was currently living in my new home thanks for getting back to me. Then about a year later my loan was sold them without choice lol, so now they have the loan they didn't ask for, AMAZING huh.
VA Jumbo Loan 3 years post Ch 7
It's funny you make all that money and still filed for bankrupcy. Thats the question I'd be asking.
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