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Tagged with: credit score
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Mercy Croft
15 days ago
I am a 75 year old retiree. I have 1600 a month net income from social security and a small pension. I just got a credit score, because I recently took out a secured credit card. No FICO shows yet on experian, but creditkarma shows transunion 664 and equifax 670. I have no other credit cards or financing of any kind. The only alternative credit line I have would be my electric bill. All other bills are in my daughters name. I don't even have things like a gym membership or netflix account, so the only alternative credit line period is my electric bill. I have no debts on my credit history.

Does it sound like I can qualify, for either a FHA or USDA loan?
I am a 75 year old retiree. I have 1600 a month net income from social security and a small pension. I just got a credit score, because I recently took out a secured credit card. No FICO shows yet on experian, but creditkarma shows transunion... (more)
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Galen Quace
3 months ago
My DTI WITH the new house is like 27%

Will FHA cover a loan for this amount?
My DTI WITH the new house is like 27%

Will FHA cover a loan for this amount?
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240
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Joyce Waller
5 months ago
Credit score around 475, bankruptcy discharge November 2016 need help raising credit score.
Credit score around 475, bankruptcy discharge November 2016 need help raising credit score.
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153
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Amanda Forrest
6 months ago
My husband and I had to sell our previous residence via short sale where we were a few months delinquent in our payments. Our credit scores are in the 580 vicinity and we are currently renting, but found a very reasonably priced home we would like to purchase in the neighboring town, which would be less per month than our current rent. Do we have any options right now? Short sale was closed in Nov. 2015.
My husband and I had to sell our previous residence via short sale where we were a few months delinquent in our payments. Our credit scores are in the 580 vicinity and we are currently renting, but found a very reasonably priced home we would like to... (more)
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Heather Arnder
7 months ago
If you have a payment plan set up for a credit card judgment can you get approved for a FHA loan or do you have to pay it off in full?
If you have a payment plan set up for a credit card judgment can you get approved for a FHA loan or do you have to pay it off in full?
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A Curious User
8 months ago
Had to short sale condo 3 years ago. My credit score is 800.
Had to short sale condo 3 years ago. My credit score is 800.
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A Curious User
10 months ago
I'm 44, so I have credit history for the years prior, but I did file bankruptcy 3 years ago. My credit score is 693, and I have no debt except for student loans which I won't have to start paying on till June of this year. Does anyone know if I'll be able to qualify for an FHA loan? I'll have around $5,000 down.
I'm 44, so I have credit history for the years prior, but I did file bankruptcy 3 years ago. My credit score is 693, and I have no debt except for student loans which I won't have to start paying on till June of this year. Does anyone know if... (more)
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A Curious User
a year ago
4 years ago we purchased a property via land contract. During that time we blew our credit rating moving locations and starting over with our business. For this reason we can barely buy a car at decent interest rates despite good monthly income. We have paid our land contract payment every month without fail and wish to get a "proper" mortgage but we are afraid that one look at our credit scores will devastate those chances. Is there anyone out there who will grant us a mortgage with (around) prime interest rate?
4 years ago we purchased a property via land contract. During that time we blew our credit rating moving locations and starting over with our business. For this reason we can barely buy a car at decent interest rates despite good monthly income. ... (more)
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A Curious User
a year ago
I plan on purchasing a house within the next 6 months. I don't think my credit score is high enough. There are only 11 items on my report-- 8 in good standing the other 3 are charge offs. Please tell me what I need to do to purchase a home.
I plan on purchasing a house within the next 6 months. I don't think my credit score is high enough. There are only 11 items on my report-- 8 in good standing the other 3 are charge offs. Please tell me what I need to do to purchase a home.
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TAmmy Edgerson
a year ago
I was just denied for an FHA and was advised that the LOWEST of the 3 credit scores reports are what is used to obtain approval for an FHA? and that my LOWEST score must be atleast a 640 is this true?
I was just denied for an FHA and was advised that the LOWEST of the 3 credit scores reports are what is used to obtain approval for an FHA? and that my LOWEST score must be atleast a 640 is this true?
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