Credit - January 2007

Lets say I am applying for a mortgage and my income is pretty good, but my credit score is not all that great. If I have someone with great credit ( and ALOT of money) co-sign with me... will i get approved for a good mortgage amount and good rate?

2007-01-25 06:55:07 · 4 answers · asked by Anonymous

2007-01-25 06:53:52 · 8 answers · asked by raiyn4502 2

a specialist? and who would you recommend?

2007-01-25 06:51:10 · 11 answers · asked by toolate 3

2007-01-25 06:41:14 · 11 answers · asked by Lauren M 1

2007-01-25 06:32:28 · 14 answers · asked by :-) 3

2007-01-25 06:25:52 · 5 answers · asked by Lauren M 1

How long will it take for my credit score to go up after I pay a creditor that has shown a late pay every month for a year, & it shows as 30 one month, 60 the second month 90 the third & so on?

2007-01-25 06:24:36 · 14 answers · asked by mac 1

My father in-law has a zero balance on his credit card, he rarely uses it and when he does he pays the full amount right a way. He has a limit of above 15,000. They gave me a credit limit of 5,000. What do you think, will that help at all....?? Thanks

2007-01-25 06:13:22 · 2 answers · asked by cavitia 2

I had a secured credit card with bank of america ( bad credit due to past marriage) right before christmas I had 2 fradulent charges on my card. So I called the bank and asked them if I could get a new card with a different number, they said they couldn't do that, so I just disputed the charges. I then tried to use my card a couple days later, it declined. I called the bank and they said the card was closed. I didn't request for it to be closed. They won't reopen it, and now it has dropped my credit score 10 points. What can I do? I have never been late on the payments, they even recently upped my credit limit without me depositing more money. I am so ticked at them right now.

2007-01-25 06:05:28 · 4 answers · asked by just me and my crew 2

these companies negotiate with unsecured debt creditors to lower interest rates & lower the total amount due to the creditor. Then your monthly payment is also lowered. You would then pay that lowered amount to just one creditor at a time until they are paid off then you start paying to the next. The creditors that are waiting to be paid show up every month on your credit report as 30,60,90,etc days past due.

2007-01-25 06:00:39 · 6 answers · asked by mac 1

I have these 2 debts with Providian from 2001 and I just received a letter suing me... I called them and try to work things out so I can make payments arrangements.. the problem is I don't have a job since Oct.. I have been very sick and with no insurane... when I called them they offered to pay $427 on one credit a month the other $404 a month.. that's $831 that I don't have (that's also a rent).. what do you suggest I do???
Thanks

2007-01-25 05:57:30 · 8 answers · asked by Delfinazul 2

I'm looking fo the general meaning of the word and specifically what it means in the phrase: :Payday loans without telecheck are faster, and easier to get. (True or False?)

2007-01-25 05:52:45 · 0 answers · asked by muchmemory 1

on Dec. 16, 2006, I am trying to buy a home but I need a score of 650 to get a really low interest rate, my current score is 626. Will joining help me raise my credit score? An how soon will this show on my credit report. The agent checked my score on the 18th of January but that credit card did not show. Please, please help. Any comments very well appreciated!! Thanks!!!

2007-01-25 05:22:57 · 5 answers · asked by cavitia 2

have one of them do it as a first time home buyer? what are options to people with crap as credit? i have a mortgage but we're selling the house so i wont have one anymore but what is the best pay and some possible options we run across?

2007-01-25 05:01:05 · 8 answers · asked by toolate 3

I have recently opened an ebay account and they wanted my credit card details. However, I just want to sell items and not buy them. How can I sell items and let the money go straight to my bank account and not on my credit card account?


When clicking the 'sell' button when I am logged in, it says 'use mastercard or visa'. But I only want to use money from my bank account.


How can I do this?

2007-01-25 04:55:05 · 6 answers · asked by Bonita E 1

I have a CC with $8300 bal @ 12.15% APR. I have a another CC with $2900 bal at 0% APR till may then it will go to 14% and change. Then Finally I have a store credit card with $1000 at 13.24%. I have some other loans also but they are 8% or lower. l Which should I put all my disposible income toward 1st? on the cards? Should I consider transfering the big $8300 balance to get it paid down faster? Thanks

2007-01-25 04:39:53 · 4 answers · asked by lawrence c 2

I just did a balance transfer into a new citi card. I did not receive the first statement, so I got a second one (for me the first one) charging me an extra 40 dollars for late payment and now my 0% APR has become a 12% APR. I do not care paying the late payment fee, but is there any way to keep my 0% APR taking into account that I NEVER received the first statement??? I do not even have the credit card, so I could not even log into the internet because I did not have my credit card number or verification code...

2007-01-25 03:15:01 · 5 answers · asked by dltscyc 2

because there lacey

2007-01-25 02:56:04 · 2 answers · asked by devil girl 1

2007-01-25 02:35:06 · 1 answers · asked by dimpy k 1

I am wandering, if you have more then 1 home and other property such as land and cars; if u foreclose on one of the homes will the lender have the right to target your other properties to pay off your loan with them? and lets say you owe more then the value of the house will you owe that difference even after foreclosing! I am in CA.

2007-01-25 02:32:07 · 3 answers · asked by xxx x 1

2007-01-25 01:02:01 · 16 answers · asked by Virtuosic 1

You took out a 30-year mortgage (monthly payments) for £130,000 at 8.90% and payment number 35 is due today. You are deciding whether you should refinance the outstanding principal by borrowing at today’s lower rate of 6.70% an amount that just pays off the old loan. The new loan is for 30 years as of today. The total fees for getting the new loan equal 3.1% of the borrowed principal, and you will pay the fees today with funds from your savings account.
Precisely describe how the refinancing decision changes your cash flows.

2007-01-25 00:25:57 · 7 answers · asked by Anonymous

I know there are a lot of payment gateways online today, and they all have their perks, but my concern is this: are they really secure? Call me cynical or paranoid, but I don't fancy the thought of someone else filching my hard-earned money.

2007-01-24 23:57:26 · 3 answers · asked by Anonymous

On my credit report; I have accounts that are closed and some still have remaining balances. To help with the credit, should I pay those off. Whether open or closed accounts or not?

2007-01-24 20:29:44 · 5 answers · asked by Anonymous

My husband and I want to get a mini-van. Like a 2000-2003 dodge caravan. The only 2 vehicles we've ever had were bought with cash. We are only 21 and 22. My husbands job is stable and we could afford it, especially if we trade in our car, but he's only been at his job for 7 months. Is it at all possible that a bank would give us a loan? We dont have much credit, and the little we have isnt great.

2007-01-24 20:03:20 · 6 answers · asked by Anonymous

2007-01-24 20:02:12 · 6 answers · asked by Tom U 1

2007-01-24 18:40:30 · 3 answers · asked by JESSICA R 1

Specifically, if there is an interest only period and I make principal contributions, does my interest only payment go down or does my maturity date arrive earlier?

2007-01-24 17:08:44 · 2 answers · asked by btsoft 1

2007-01-24 17:08:33 · 10 answers · asked by Anonymous

I have heard that I should not pay off my home loan before securing a loan for a new home. The reason I was told is that my credit score is higher if I have an existing home loan even if I only need a $100 to pay it off. Something about the payment history still showing up in the credit report if the loan is not paid off being a good thing. Can anyone confirm/deny this?

2007-01-24 16:59:27 · 2 answers · asked by Chris 1