What credit score is need to qualify for a home loan?
What credit score do I need to qualify for a loan at all, not necessarily a loan with a great interest rate? Due to some student loan problems over the past year, my credit score has plummeted into the 500s from around 700. I earn 6 figures and I have very little debt, so that should look ok to lenders. I’m just wondering what my credit score needs to be before I can even consider applying for a mortgage.
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Advice for paying off debts
I have three credit cards and I owe a total of about $1500 on them. I also owe $300 on a hospital bill, $120 to the bank, and $8000 in school loans. What would be the best way for me to start getting rid of these debts?
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Can declaring bankruptcy eliminate credit card debt?
Can an individual eliminate credit card debt by declaring bankruptcy? I thought bankruptcy just got the bill collectors off your back but didn’t wipe out any debts. Recently someone told me that it depends on which chapter of bankruptcy you file and the right one WILL eliminate credit card debt. I know someone who has $80,000 in credit card debt and they are trying to get rid of their debt! Is ihis really possible? Are there any restrictions in doing this. Can you ever get a credit card again if you do it?
If you file bankruptcy to eliminate all debt, do you have to give up ALL of your possessions? Will you have anything left?
This is for a friend of mine (really). They don’t own a home, they have 2 cars and some furniture and A 401k plan. Between the two of them they make about $40,000 a year. I don’t see how debt consolidation could help them. How could they EVER pay off $80,000!?! They had a house but they used up all the equity in it over the years and sold it recently and broke even on the deal, ending up with NOTHING! What a mess! I just didn’t think they could wipe out their credit card debt! And, it really isn’t fair to the rest of us who pay our bills!
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Free credit report without using a credit card
I would like to get my credit report but all the sites I have found ask for a credit card even though they claim that it’s free. I no longer have a credit card. Is there a way for me to get my credit report without using a credit card?
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Is the interest on a personal loan tax deductible if it is used to buy property?
When you get a conventional mortgage, the interest is tax deductible, right? So if I get a personal loan to buy my primary residence, would I be able to deduct the interest on that loan when I file my taxes?
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Credit Card Fraud – Don’t fall for this one
Criminals have a new trick. Watch this to see how you can protect yourself from being ripped off. Have you been a victim of a credit card scam? Share your experience on www.complaintsboard.com
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Identity Theft Phishing – CBS News
Identity Theft Phishing
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How to dispute negative items on your credit report
There are a few items on my credit report that have been re-opened by collection agencies. It is my understanding that they are not allowed to do this. The statute of limitations has passed and they should be removed from my credit report. I have never had a problem about items dropping off before. This Capital One account will not drop off and the three different collection agencies for this one account keep reporting a new date opened. It has been 8 years now and they are still on my credit report. How can I get them removed?
Also, when you view your credit report, where is the “date of last activity”? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the statute of limitations would be meaningless. Lenders and collection agencies could just keep reporting and the account would stay on your credit report forever.
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Why did I get two different credit scores?
Last year I got my free annual credit report from all 3 credit bureaus and they show one negative item on my report. Six months ago I did one of those free 30 day trials to get my credit score and it was 517. I haven’t made any payments to my negative account, but today I got a free credit score from Experian and my score is 624. Why the difference between the two scores?
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Give the benefits of debt consolidation loan?
I am planning for a debt consolidation loan. I want to know the benefits of the debt consolidation loan.
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Could I rebuild my credit without getting a car loan?
If I file for bankruptcy, would I be able to rebuild my credit without getting a car loan? I want to purchase a car without a loan so I can just get liability insurance. I have a student loan and two credit cards that I’m planning to keep to help rebuild my credit. Will this get me to a credit score of 700+ after 2-3 years of paying on time?
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The Attorneys Guide To Credit Repair
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