July 2nd, 2009 — 09:51 am
LadyCatherine asked: Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out having a credit score over 500.
I have a fourclouser on my credit and a really old credit card bill that I refuse to pay. Other then that every thing else on my credit report has been paid. Some late some on time.
I have tryed every mortgage company on line and the bank in my town.
I DO NOT want to get a credit card to ‘fix’ my credit history. I have had those and I do not do well with them. Or a store card either. Or a gas card.
I think things will stay on my credit report for up to ten years but I would like to know if there is a mortgage out there that will give me a mortgage now. Yes I have thought about rent.
Adam.. What is a a self certify, tracker based mortgage ?
ok OPEN:
Why jump all over me. I was just asking for help. I DO NOT THINK I KNOW IT ALL.
YES I have had a credit card and I have come to learn that I do NOT need one. I have a debit card Visa card and that is ALL i need.
How can I fix my credit with out findone someone to help me out. Things happen, I am NOT the only one that has gotten in this postion.
I want to respond to why I refuse to pay off the credit card that is on my credit report. I had a credit limit of 300$ It got up that high and I decided that I did not need it any more so I canceled it.
Come to find out a few months of ‘paying’ on it to pay it off the credit card co. was still charging ‘finance fees’ to it. after talking to them they informed me they could not completly cancel it untill it was at 0.
I told them the reason I canceled it was cause I could not affored it. To add charges to it would not help me pay it off.
I have spoke to other credit card co and have been told they can stop charging to it it they want.
The credit card bill has gone from 350$ to over 15 hundred dollars.
Pride or not I find this unprofessional and rude and that is why I refuse to pay it.
If they would agree I would pay the original 350$ if they would take off the rest of the ‘Charges’
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1 comment » | Renting Real Estate
July 2nd, 2009 — 09:23 am
killerlegs asked: I am trying to find out what is the best newspapers or websites used to find jobs in Texas, especially the houston area and what is the most common sources used for mortgage lenders. Do people usually use the banks or mortgage companies? I want know a good mortgage lender with good principles and low interest. Please, only people who are really familiar with these subjects and with serious answers. I would really appreciate your help. Thanks to all those who are willing to assist. Bless you.
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Comment » | Renting Real Estate
July 1st, 2009 — 11:52 am
Comment » | Credit
July 1st, 2009 — 12:21 am
JJ asked: What types of loans are out thier for first time home owenrs with good credit? The place that I want to buy is about $185 can I still get a zero down loan? If not what is the next best thing?
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1 comment » | Renting Real Estate
June 30th, 2009 — 06:26 am
According to the article “Know the value of your designer wardrobe!” very few of us are put off shopping for designer clothes by the credit crunch. Women who shop (and men, though not so many in comparison,) cannot and will not be deterred by silly obstacles such as lack of money!
What makes a person shop till they drop even in the face of an ever-shrinking overdraft facility? Is it because we all feel we need to ‘keep up with the Joneses’ or that we need to reward ourselves for struggling through a difficult month? The determined shopper needs no excuse.
One thing the insurance companies have noticed is that in most cases fashion purchases are left off the accumulative values of our contents insurance even though a winter coat could set us back the same as a wide screen television!
Ladies and gents – grab a pen and get that paperwork done!
Comment » | Insurance
June 29th, 2009 — 08:57 pm
Soon to be married asked: What does anybody know about being a financial advisor or planner? do you have to get a degree for it or is there just a class for it specificaly?
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Comment » | Financial Services
June 29th, 2009 — 06:50 pm
asked: Seems to me that PMI is very costly for the home owner, especially me with a perfect credit rating and new funding source to maintain a mortgage if I lose my job (my job is very secure). Please any suggestions on how to get the PMI waived by the mortgage company.
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1 comment » | Renting Real Estate
June 26th, 2009 — 08:40 pm
lisashopping2003 asked: we are interviewing financial advisors to help us invest about 250k in mostly cash some stocks/mutual funds. what is a reasonable fee to expect to be charged on an account of this small size by a fee-only financial advisor? is it worth it?
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Comment » | Investing
June 26th, 2009 — 01:52 pm
livinlife asked: My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there… wouldnt know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you paying? Is it fixed or does it go up every few years? We live in Florida also. Any help would be appriciated.
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3 comments » | Insurance
June 25th, 2009 — 06:25 pm
Melissa T asked: With the three credit scores being different, which do they use to determine you qualification for a mortgage? Or do they simply average all three scores. My husband has two scores at around 540 and his transunion is at 605. What are his chances?
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3 comments » | Credit
