does anyone have any idea where i can find a company that would give me a loan through Equifax?

Question

in other words, my score is good with equifax, any company out there would approve me for a credit card with low credit to start off or maybe a home loan ?

Answer 1

Go to the site I've listed and click on forums.

Then look in the upper right hand corner is a link to CreditPulls, click on that then check the box for Equifax and enter your state.
After you get the listing, click on the score tab and it will sort the info by scores.

It is a very good database of which credit company pulls which bureau, in which state, with what scores etc.

You might also do some reading in the credit forum.

Answer 2

It is hard to understand your question. If your equifax credit score is good you can apply for a credit card with a credit union. I'm assuming a few things. One, you have a low income, two you don't have an established history. When applying ask for a low credit limit.. Perhaps $500 or $700. Use the card every month and pay it off each time the bill comes in. After 3 to 6 months you will get offers for increased limits. Keep paying off the total balance for all your cards and you will be using the banks money. Thats like making money. In economics there is a concept.. expense delayed is money saved and money saved is more valuable than money made. I've worked with both of these ideas and they are true. Keep them in mind as you go forward... good luck

Answer 3

What about your credit score with the other two bureaus, TransUnion and Experian? Have you pulled a report recently from either of those? You are entitled to one free credit report each year from each bureau. Visit the bureau website or try www.myannualcreditreport.com.

Mortgage lenders look at all three bureaus and typically take the middle score. In addition, the scores for each bureau are usually different, and what reports to each and how it reports varies. Sometimes the reports aren't accurate either, so it pays off to monitor them.

Some mortgage lenders can do no-score or one-score lending, but it's a specialized product with limitations. Best to get a couple small credit cards, keep your balances low and pay them on time to build good scores. Make sure any card you choose reports to all 3 bureaus. Some do not. Do a web search on credit card comparisons. There are a couple sites that list the features of many types and you can compare.