Credit - October 2007

I have been approved for an FHA loan in which I have to bring 3% to the table. The home was appraised $6000 less than what I originally offered. He does not want to come down on his price because he will not be able to pay off his current mortgage, of which he will be about $6000 short after closing costs and fees with price being at the appraised value. He is currently trying to work out a deal with his lender to give him a short sale on the house. Since all of this has transpired, I have increased my credit score to the point that I am able to qualify for more mortgage programs. Should I check with some local companies to get into a better program with less fess than a the broker I used? Im somewhat leery of doing this because I don't want my current l mortgage company to see that I was shopping around if we would close under the current terms. And I don't want any inquiries to hurt my score. I WANT THIS HOUSE. Any suggestions on making this deal work would be appreciated.

2007-10-21 11:34:23 · 4 answers · asked by Renaisannce Man 1

I am a military mother with poor credit. I am trying to secure a $2,000 loan to take my family on vacation. I have less than a year left in service so military lenders will not lend to me on an alottment status. Please help me find a loan that won't eat me alive on interest payments or have us eating cat food for a year.

2007-10-21 11:09:15 · 9 answers · asked by Military Mom 1

I'm in need of one.

2007-10-21 10:29:05 · 6 answers · asked by DAVID B 2

I'm saving to buy a condo... I don't need anymore hits on my credit report... Can I get a cell phone? How much are plans?

2007-10-21 09:53:52 · 7 answers · asked by DADDY B 2

That can be used online or in any store.
Sort of like a credit card, but it has a limit, or a gift card that can used anywhere?
If so, where can I purchase one?

2007-10-21 09:20:45 · 4 answers · asked by Rachel S 2

on the cashback claim form

it says cashback/Gift claimed > what do i put here? do i put the amount i expect to receive?

2007-10-21 09:15:37 · 1 answers · asked by Alrox 2

i used my credit card alot this month how long do have to wait before i file banckrupcy whitout getting in to trouble

2007-10-21 08:48:07 · 4 answers · asked by evalles511 1

I have two credit cards, one with my name as "Daxia Fu" and the other with my name as "Da Xia Fu," both with the same address. When the two credit card companies go to report my credit to Equifax or another company, would both credit histories go on the same file? Or would they go on different files?

2007-10-21 08:17:48 · 4 answers · asked by Shadow Rider 2

I know not all of those are fraud scams and some sites pay,i got from one recently..so i'm intersted hopeful and want to sign up to more other ones :)

2007-10-21 07:06:13 · 3 answers · asked by richy 1

just give me an average
thanks


p.s :don't u think the interest rates are higher

2007-10-21 05:30:31 · 9 answers · asked by Anonymous

I have 16,000 in credit card debt. I cut up all of my cards. I make about 3500 a month and I'm trying to pay them off. I know I don't qualify for one of those assistance programs because they can only negotiate with your credit card company if your payments have rarely been late and mine have, especially this couple of months. I just feel like I'm going to have a panic attack. Is there no way out of this?

2007-10-21 05:27:53 · 5 answers · asked by LBCgal 1

We charged a plane ticket to my everyday card. I had made several payments to get it all paid before the due date, but failed to get the last bit in before the date, so they charged the whole month's interest to us. This is a card that we use daily, pay completely off each month and try never to pay interest on. How is the best way to get back to zero? Do I need to scape together the whole new balance and pay it quick or will it make no difference when during this month I pay it? I think this card uses two month averaging so should we put the brakes on using this card for a couple of months and do something else for our everyday charges? I want to use discover, not have them use me!

2007-10-21 04:29:35 · 4 answers · asked by APF 1

i m little bit confus plz help me and wht is credit rating?

2007-10-21 04:23:59 · 4 answers · asked by Anonymous

Will I need a credit card to check into a hotel/motel in the US?
I'm not talking five star hotels. Planning on using mostly Comfort Inns or other similarly priced motels. Will the motel require a credit card when I check in, or do they still accept good old cash?

2007-10-21 03:56:07 · 18 answers · asked by ~RedBird~ 7

fast

2007-10-21 03:51:18 · 8 answers · asked by pretty p 2

What is the best option here?

2007-10-21 03:51:14 · 7 answers · asked by Chicagoman 2

This (AP9*YOURSAVINGSCLU ) has come up on my checking report and I have no idea what it is but they sure are charging me some cash for it, so if you can help me out I would greatly apreciate it. Thank you so much.

2007-10-21 03:12:43 · 2 answers · asked by Anonymous

My name and my grandsons name is on a vehicle that we purchased together we are fixing it up for him when he comes of age. The vehicle has a clear title ( paid for ) I am being garnished for a debt 8 years ago durning my first marriage. Can they take the vehicle from my grandson. We live in Missouri.

2007-10-21 02:01:54 · 6 answers · asked by Pete M 1

I'm needing one of those prepaid debit cards for some impromptu travel. Where in the US are these cards sold? What's the best *and* least expensive, in the way of fees and cost fo purchase?

I don't want to use my "real" credit card, as I don't want to leave a paper trail. And my spouse will probably cancel the card as soon as he figures out I'm gone. Ideas? Suggestions?

2007-10-21 01:58:36 · 2 answers · asked by ~RedBird~ 7

I got two credit cards in college(1994-1998). I paid off one of them last year and I am still paying down the other one. Neither of these credit cards are showing on my credit report at all. Am I still responsible for paying on the one that still has a balance.

2007-10-21 00:39:39 · 5 answers · asked by quiasaw 2

Dont fool for these's debt collecters they are a scam,they send bills that you dont even owe,they call u asking for your bank details.
Most people i know about this have recieved this letter because they use ebay but some have not.
Beware they are a scam.
As anyone had them bothering them with a bill.

We all need to come together and sort this out.
If we alll make a complant to trading standards or your local police asap then theres more chance they will sort it out because theres more complaints.

Ive heard storys about nans and grandads getting these bills and getting scared and fooling for them due to what they say is legal action.

DONT FOOL FOR THEM LETS SORT IT OUT.

2007-10-20 21:53:42 · 3 answers · asked by ♥ Bαявιє Dσℓℓ ♥ 3

Has anyone else received a cashier's check from the following people/address:

BRUCE O. WILKINSON
GAIL W. WILKINSON
DEPT OF STATE
2110 CONAKRY PLACE
DULLES, VA 20189-2110

The check is thru the Navy Federal Credit Union in the amount of $6000.82.

Just curious! Thanks!

2007-10-20 18:19:07 · 5 answers · asked by iamblurry 2

So I just checked myFico Equifax score, and I wasn't surprised to see a score of 608.

So I then started playing around with myFico score stimulator... and it says "If You Pay Down $203.00 of Your Credit Card Balances within 1 month, Your simulated FICO score would be in the following range: 668 - 708".

That's 60 to 100 points!!!! jump for paying off a $200 balance?

Do you guys agree with this stimulator, and it's accuracy? can I quote myFico if this doesn't happen?

Thank you for your time! :)

2007-10-20 17:11:33 · 3 answers · asked by Dr. W 3

just wanted to know =)

I get two different credit scores supposedly updated today from My Fico and Citi, I wanted to know which one should I trust more.

2007-10-20 17:06:38 · 0 answers · asked by Brenda 2

My checking account is on the negatives and I have no way of paying the amount to put my account on track. I got a notice from my bank that if I dont do anything to fix my account it will be closed, but to know that this will also affect my credit, which I know its probably bad anyway. I dont really have a choice but to let my account close.Has this ever happened to you? I wish I had the money to pay the overdraft amount and close the account on good terms. How many years will this affect my credit? What else besides my credit will be affected? I dont have a job and I even if I wanted to work I cant because I just had a baby and I have no one to bay sit for me Please give me advice Please Help

2007-10-20 16:51:53 · 7 answers · asked by Anonymous

2007-10-20 16:45:23 · 3 answers · asked by joey777 1

2007-10-20 16:41:58 · 12 answers · asked by melissa 5

like at experian or equifax?

2007-10-20 16:33:29 · 5 answers · asked by Anonymous

2007-10-20 16:28:22 · 3 answers · asked by Anonymous

okay. So I just added a really cute picture on my bank of america credit card. im so exited ive never heard or seen anything like this before. Its like your very own personalized credit card..ahh lol...just wondering have you seen one before?

2007-10-20 16:22:10 · 5 answers · asked by Starlett 2