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Loan No Credit History

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Steven Said:

How long to get a home loan with no credit history

?

We Answered:

If you have no normal established credit history, you can still qualify for FHA loans, and several conventional A-paper Fannie Mae loans, as well as many other bank products.

What they will typically do is try to build a credit history from what you are already paying. A documentable rental history is the first place we would look. Next, your utilities. If you have been paying your gas, electric, car insurance, cable, cell phone etc... on time (no more than 30 days past the due date), they can use them as "tradelines".

In general, they would want 2-3 utility-type accounts on top of a rental history. No rental history, 3-5.

But lack of credit is not sufficient reason to decline an FHA loan. That's right in their guidelines. If you have a history of saving money, like $100 per month into a savings account, they can treat that like a tradeline. Getting a statement from your neighborhood grocer that he has granted you credit that you've paid in a timely fashion can sometimes even work.

Talk to a couple mortgage brokers, and a couple big bank loan officers as well. The big banks have community lending requirements they have to meet, and often have programs specifically designed for people with zero traditional credit history.

Avoid anyone trying to stick you into a 2 year ARM (2/28, 3/27 are some numbers you'd hear), you shouldn't need to take a "sub-prime" loan just because of this.

Debbie Said:

How can I get a loan with no credit history

?

We Answered:

You dont have to have credit to get medical help in the US, unless you are talking about 'elective" surgery.

Most banks wont loan for a 'boob job" or something else cosmetic.

What I would do.. is set up a payment plan with the DOCTOR.. instead of getting a loan...

Yvonne Said:

Where to get loan with no credit history but have car title for collateral?

We Answered:

If you have a checking or savings account with a bank or credit union, start there! They already have a financial relationship with you, which makes them your best bet.

The next option would be to apply for a major credit card. There are some Visa and Mastercards that target younger people with little or no credit history. If you have any friends who have a major credit card (and little or no credit history), try applying at one of the same banks that issued their card.

If you are unable to secure the loan or credit card on your own, perhaps a family member would be willing to co-sign with you?

If at all possible, AVOID pawning your title (TitleMax, etc). You could easily end up paying double ($1000) or more even if you only borrow the money for a few months. Also, if you miss a payment, they can take your car!!!

Good luck. I wish you the best!

Lawrence Said:

How do I get a used car loan wihout any credit history

?

We Answered:

You should look for subprime car loans.

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Agnes Said:

How to get a small business loan without credit history

?

We Answered:

You can get a loan from other people at Prosper.com. You can tell the members of the site your story and why you need the money. The loan is funded by several members investing in you so that you can start your business or whatever else you may need the money for. Their incentive to loan you the money is to receive interest income for the money they loan you. It is like a normal loan but without the bank. People loaning directly to people. Check it out. It is easy to use.

    Auto Loan No Credit History

    Edward Said:I ve no credit history will i get a personal loan & a auto loan?We Answered:You can get an auto loan but a personal loan is going to be difficult especially, if you don't have a significant credit history. Personal loans are usually offered based on the fact that you have a good credit history with the exception of payday loans - which should only be used for emergencies.Annette Said:Are there any trustworthy bad credit/no credit auto loan companies?We Answered:You have hit on a valid point. In general, small or non-prime lenders tend to be where customer service...

    Bad Credit History Australia

    Amy Said:i have a bad credit history, live in sydney, australia, prosper not my solution, can anyone help?We Answered:This is a lesson learned of paying your bills/accounts/loans off on time, every time. Now it will be on your credit history for years to come. !!! There is some loan sharks out there that will lend you money but be prepared to pay the price - also cash converters, but you have to be working to obtain a loan off them, again be prepared to pay back high interest.Ella Said:I have bad Credit History here in Australia, does it still apply...

    Bad Credit History Repair

    Janice Said:What is the best credit cardfor a young person looking to repair bad credit?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.comAlfred Said:Best way to repair bad credit?We Answered:tax leins and discharged bankruptcy can not be wiped out by a "bad credit" repair company. What they do is scam you. They do the same thing that you could do if you didn't have the tax leins and discharged bankruptcy that takes a limited amount of time to come off...

    Bad Credit History Secured Loan

    Duane Said:How long will it help me to remake a decent credit history to get a house loan?We Answered:at least 2 years. based on my experience.Travis Said:Fixing Student loan on credit history?We Answered:Student loans are not forgiven with a bankruptcy, but you say you are paying each month? If this is the case, call CBV (the owner of your account now) and ask them very simply why they are not reporting your payments to the credit agencies. You'll have to decide where to take the conversation from there. I know that they are allowed to report the missing payment...

    Bad Credit History Uk

    Ralph Said:where to get car loan with bad credit history in UK?We Answered:Hi, have you been turned down by so many banks? Firms? Do you need finance to establish your business? Do you need finance for the expansion of you business? Are you in need of debt consolidation loans? Or do you need a personal loan? home refinanncing loans or others? If your answer is yes, then look no further because GOSHEN CO-OPERATIVE COMPANY is the best place to get all these finaincial assistance. When I was in need of a business loan and debt consolidation to pay off my debts...

    Bank Account Poor Credit History

    Raymond Said:I need to open a basic bank account, no lending or overdraft required, but i have poor credit history?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.comTroy Said:I have a poor credit history and cant seem to get a current account to help rebuild it.?We Answered:Go to a bank like HFC who specialise in Non-prime lending - they offer banking facilities to those people who have a poor credit history, but be warned, they hit you hard on interest if you...

    Building A Credit History

    Sidney Said:I want to move to Canada from USA. Do I have to start building up a credit history there all over again?We Answered:You do have to rebuild your credit history in Canada, most banks will not pull your US report. When I first came to Canada it was a pain to get any credit because I had no credit in Canada even though I had good credit in the US.Marsha Said:I have no credit history - How can i get a credit card and start to build credit?,?We Answered:My husband, when he immigrated, went to Bank of America and asked...

    Building Credit History

    Sherry Said:My wife has no SSN but she has a US-based Amex credit card. Is she building credit history?We Answered:No. Credit history is tracked by SSN. She may be building credit but without a social security number, there is no way of knowing it is her credit.Stella Said:Building credit history with a check card?We Answered:No, it will not build your credit because it is not a credit card. Even though you can use it through the credit card system, it is just a method to withdraw money from your checking account. Only true credit cards affect...

    Build Credit History

    Jamie Said:will having an account with something like Columbia House help build a credit history?We Answered:No. It will not help build credit because Columbia House does not report to the credit bureaus. I could, however, affect your credit negatively if you default on your payments and if you are reported to a collection agency since most collection agencies do report delinquent accounts to the credit bureaus....

    Clean Credit History

    June Said:Do you have to have a clean credit history to be a police dispatcher?We Answered:No, those things might be pursuasive but probably won't be looked at. In LA the dispatcher has attended the police academy, and I am sure it is true in a lot of other places, they are sworn police officers, not just people who answer the phone. Lots of places do not require the dispatchers to be sworn police officers, so they are only trained to answer the phone, and not all the other stuff. Good LuckMitchell Said:how to clean credit history, is...

    Clean Up Credit History

    Danielle Said:I need a loan to clean up my credit history.who can help?We Answered:If you want to clean up your credit history you need to do credit repair. That would be step number one. Once your credit scores are a little higher from that, I would recommend getting a credit card with a better rate than you have currently and then transfering your balances to the card with the better rate.Kurt Said:How to clean your credit history up, I have been trying to get my credit score up. I have had a auto loan?We Answered:This is how your...

    Clearing Credit History

    Debbie Said:Clearing you credit history...How long does it take?We Answered:paying off debt is a great idea, but make sure you save money for emergencies... otherwise, when something happens you will borrow again. if you are getting debt free, why are you worried about credit score? a fico score is merely a "I love debt" score... to get high scores... borrow a lot of money and pay bills on time... that is how your score gets higher for the most part... Bad idea. Why not be debt free, have lots of cash to pay for stuff, and not worry about credit...

    Clear Bad Credit History

    Stacey Said:How to clear bad credit history?We Answered:Judy is correct as far as she goes but they actually don't completely drop off after 2-years they simply can't tell when they were late after 2-years they will continue to show for 7-years total. But since 90% of your score is made up of the last 24-months of activity your score should go up especially if you get a credit card even if it's a secured one as long as it reports to the credit bureaus and use it for every day things like gas, lunch and make sure and pay them off...

    Clear Credit History

    Tracy Said:How do I clear my credit history of my parents' actions without pressing charges? They pay my tuition.?We Answered:Are you certain it's not just showing up on your report because you have similar names? Are you a junior, for example? My parents and brother all have the same first initial. For a long time, their accounts were showing up on each others reports. It took several disputes to clear it all up. If they really did use your good name to get credit for themselves, the only thing you can do is get it paid off,...

    Company Credit History

    Pauline Said:What credit company is used the most to view your credit history? Transunion, Experian, etc?We Answered:The three credit bureaus used to be regional. Some creditors still only use the credit union in their region. Some types of loans, like mortgages, will check all three. There really is no one credit bureau used more than the other two.Keith Said:Is a directors credit history taken in to account when a Limited company applies for credit?We Answered:It depends. Is this a small business, with little income or assets? Or, is it a big company with obvious repayment...

    Consumer Credit History

    Agnes Said:Consumer credit check report hurts your credit report?We Answered:That's right. Only "hard inquiries" can affect your credit score, which is when you are applying for credit. Checking your own credit cannot affect your score.Brent Said:Is the Consumer Credit Counseling Service Legitimate source for no bias help?We Answered:No. You should do this on your own. Credit counseling is, for most people, a very bad experience. I've heard many horror stories from my clients and not one of them would do it again. Also, it's a fact that it looks worse to be in credit counseling than...

    Credit Histories

    Kristina Said:How much credit history do I need to get a mobile phone on contract?We Answered:i didn't have a credit history when i go my first contract as long as your over 18 your fine. and don't go to anywhere house as they wont give you a credit scores go straight to the network shops. my first contract was with virgin which was really good but if i was you shop around you may have to pay a little but shop around I'm now on o2 on line which is £20 a month which is good its the new simcity...

    Credit History And Employment

    Jill Said:Is on campus job(part time) not considered as employment history?We Answered:Employment history as a rule is not reported on your credit report. The only time employment history is listed is when one of your creditors report it. This is usually when you apply for credit and it asks for your current employer. This is why it is out of date for a majority of the people out there. Employment history is not used in your credit scoring or has any bearing on how good your credit is. It is mainly used as contact...

    Credit History Canada

    Jennifer Said:Can I move my credit history when moving from Canada to US?We Answered:The answer to your question is... "MAYBE" Check this link out below - very informative: http://answers.google.com/answers/thread…Marshall Said:How much time it takes to build a credit history in Canada as i am using credit card for last 2 months ?We Answered:As mentioned, it takes a few years to build a decent credit history. It's easy to keep up payments for 2 months on one debt, to be able to do it for the 5 years a loan would last. Here's the best way to establish a credit history: 1) Establish a checking...

    Credit History Companies

    Pedro Said:How do you get a GOOD job if you have a poor credit history? Which companies should I apply to?We Answered:3 years off with a good excuse is no big deal unless you were in finance -- those people are pscyho crazy. come up with good and creative excuses for why you haven't worked for 3 years. honesty is good too. they would care more if you were incarcerated or went to rehab or something like that. they also don't want to hear you had to mourn the death of your hamster. the...

    Credit History Company

    Alfredo Said:I have a perfect credit history with my mortgage company, why should I foot the bill for others who don't?We Answered:Congrats on being a responsible person for knowing your limits. I don't think we should have to bail out people who wanted to live beyond their means. I lived in apartments for years saving up to buy a house. Why do people in this country expect handouts all the time? Anyway, no you are not wrong. Tina Said:Can I request my credit card company to report payment history to all 3 credit bureaus?We Answered:if...

    Credit History Employment

    Kim Said:how can I buy car with bad credit and no employment history?We Answered:with that history ,,IF you get a loan,,the payments will be horrendous. Better to save up some cash instead. Sometimes it isn't easy ..Christian Said:why does my credit profile say that I have no employment history on record?We Answered:Nothing to worry about. All 3 CRA's have my employment listed as incorrect. One still shows a job I held back in 1975. The personal history section does not factor into ones score. You can notify them and update the information if you like. Lenders...

    Credit History File

    Sergio Said:i have a credit card for 3 months but no credit history. why?We Answered:The credit card might not report to the credit agencies for atleast 6 months after you have the card. Unless you do something bad with the card. Get a department store card. They report a little bit faster.Jacqueline Said:credit history?We Answered:1st, Paying off a old account will not remove the account 2nd, the account should stay on your credit for 180 days + 7 years from the last paymnet made (before the card was charged off) 3rd, If you feel the information should be removed from your credit...

    Credit History Information

    Bertha Said:Credit history and information. Who owns it?We Answered:Hi,these people are using our information for a profit.Maybe a class action suit by the world would help.Jeanette Said:procedure for getting incorrect information off credit history?We Answered:Tell the Credit Reporting agencies. Equifax 800-685-1111 Experian 888-397-3742 Evergreen 888-762-4001 TransUnion 800-680-7289Toni Said:when you get your credit history checked, what information it gives about you?We Answered:You can see your own credit report online. By law, it's availble once a year for free from any of the three credit reporting agencies. Check it out at:equifax.com, experian.com, or transunion.com. You can get all 3 at once along with your FICO score...

    Credit History In Australia

    Derrick Said:how often does your credit history update in australia?We Answered:In Australia your credit file doesn't list how much your credit limit is. It just says an unspecified amount. It is only ever updated when you apply for new credit or default on something.Andre Said:how can i check my personal credit history in australia is there a site i can go to.?We Answered:Nope. Sorry. Not able to. It is an internal (to the banking and finance world) process by which they check your credit worthiness ... and it is a very subjective process with each of the...

    Credit History In Canada

    Shirley Said:Bad Credit History (canada)?We Answered:He'd better pay off his old credit cards first. It'll come back to haunt him....

    Credit History In Uk

    Duane Said:UK Credit History - Remortgage next Jan/Feb!!!?We Answered:Generally, monthly, everyone you own money to makes a report to the credit reference agencies on both the amount and timing of your payments. You can make payment 'in full' (i.e the amount due) or under pay (partial payment) either on-time or 'late' .... or miss a payment entirely .. needless to say, if you are simply 'late' it's not nearly as bad as 'partial' or 'missed' .. NB. some financial institutions are better at reporting than others .. some immediately report 'missed' if you fail to pay in full on the due...

    Credit History Problem

    Carmen Said:When something reads "You must have no outstanding credit history problems" what exactly does that mean?We Answered:I guess it depends on the context and on who is saying this, but I think you're probably overthinking the 'outstanding' part. From a bank's perspective, not oustanding credit history problems would normally mean a good credit history, or at worst a satisfactory one, which is all you need for a credit application.Frederick Said:HELP! Credit Report problem: parents' history on my credit report.?We Answered:The first poster is correct. You need to contact all three credit bureaus and dispute this information. They have 30-days to...

    Credit History Repair

    Holly Said:Can you people tell me any good resource for credit repair business?We Answered:How to Start a Credit Repair Business Helping others fix their credit history and get a new head start in their life is rewarding in many senses. While it's true that whatever you do could be done by the clients themselves, most people don't want to deal with the aggravation of talking to the credit bureau to fight changes and correct mistakes. This is where you come in as a middle man. Set up a Credit Repair Company in Five Easy Steps Step1Get a copy of your own credit report...

    Credit History Search

    Edwin Said:Is a credit search necessary to have your name added to a deed on a house?We Answered:Put it another way, if your sister had $50K in debt and grandma added her to her house - people with judgments can put liens on grandma's house. If your sister has bad credit and judgments, grandma better not put her on the deed. What does your grandma's house have to do with you and your sister moving?Joanne Said:Does renters history or credit score matter the most in an apartment search?We Answered:Since you have a rental history you have a credit score. ...

    Credit History Tips

    Chester Said:Tips to get good credit history.?We Answered:You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.comSidney Said:Tips for buying a car I have No credit history?We Answered:bring a significant down-payment to the table then your options are: get a co-signer or get a pre-approved loan from a bank ... that will let you know what price range you should be shopping in.Leon Said:How important is your credit history in a background check?We Answered:Congrats on the new job. Basically, a background check deals with law enforcement agencies. As long as you have no...

    Credit History Uk

    Jimmie Said:I am moving from the US to the UK , does my credit history here stand for anything over there?We Answered:No. You will have no credit history just like an 18 year old. It will be difficult to rent an apartment as well as get credit cards....

    Credit History Usa

    Todd Said:How can I get a student loan with no credit history at all in USA?We Answered:You need to build credit, open a savings account and get a loan on that existing money. It would be secured with the funds that you put in, small amount like $500 put the $500 you borrow into that account and pay off the loan within a shorter period of time, like 4 months....open a secured credit card...Capital One offers them...you send them an amount, they put it into an account that is kept incase the credit card bill isn't paid. If...

    Credit Union History

    Jessie Said:Do I need a down payment if my credit union finances my car ?We Answered:no but its a good idea to put money down to avoid getting upside down on the loan in the futureCarmen Said:What's a good credit union in Colorado for people who have no credit history?We Answered:If you don't have one associated with your job, I'd recommend Bellco. They've been around a long time and have all services. Many locations. Go to their web site for more info:https://www.bellco.org/Lucille Said:can you get a car loan through credit union? or do you really need a credit history?We Answered:my...

    Dispute Credit History

    Carolyn Said:How can I remove a public record dispute off my credit report?We Answered:Okay, here is the problem. Public access records will indicate any civil and or criminal litigation. Being that the land owner requested a forcible entry (commonly known as an eviction) It was set on the court calendar for hearing, assigned a case number in result opening a record file under your name regardless of the out come, verdict or settlement prior to the hearing. You may have the court seal that particular record, depending on your local laws this may require more money then its worth. What...

    Erase Credit History

    Derrick Said:Would you rather erase your credit history or your love history?We Answered:Love. I havent had anything lasting. And Im 32 with a credit score over 700 and my debt -credit ratio is currently 13% (Natl average 30%). Not that it would help my current love life... or lack thereof.Jason Said:Is there a way to erase my negative credit history?We Answered:Studly's daily Moronic Answer Award goes to buyhawkeye this time....mainly because there is no excuse for someone in the lending business to not know and understand how the credit reporting game is played. Also a reminder why you don't believe...

    Finance Bad Credit History

    Dwight Said:Looking for advice on Welcome car finance, have bad credit history & they have offered me finance???We Answered:Right They are going to sting you for an already overpriced car and then p+ss on you again by charging you 29.9 % apr interest. So Your question should be.....Why Am I a fcuk wit with money?Crystal Said:i have bad credit history anyone no were i can get a hd tv on finance?We Answered:No credit checks on a HD TV? Don't think so. How are they going to know that you will pay for it?Clifton Said:i need car finance but have no proof...

    Find Credit History

    Jeffrey Said:what is a cheap and easy way to get a credit report or find out my credit history other than calling a creditoWe Answered:Legally you are entitled to one free credit report per year.You will have to request it from the credit beau.Johnny Said:How do i find my credit history when i dont have a credit card or bank card? Can i go to government location?We Answered:You don't know if you have any delinquent accounts?!?!?!? Really? You can pull your credit report for free at www.annualcreditreport.comSheila Said:How can someone create a good credit history and where can you find...

    Fixing Credit History

    Mary Said:Do you have to be certified to counsel people on fixing their credit history?We Answered:I know you don't have to be in most places. Would have thought the same of NY....

    Fix Credit History

    Willie Said:There are many ways to fix credit history. Which could be most effective?We Answered:You can get help from: http://www.AntiFraudReport.comElla Said:what's the best and quickest ways to fix credit history?We Answered:First off, and I assume you have already done so, access your credit report. You are allowed one free report per year from each bureau, as well as when you are denied credit orif you are a victim of identity theft. https://www.annualcreditreport.com Then check all items very carefully. You would be amazed at how credit bureaus are very lax in cleaning up outdated items. If an account is over 7 years old,...

    Free Credit History Uk

    Paul Said:UK Credit Card Question?We Answered:You have to keep looking and READ THE SMALL PRINT VERY CAREFULLY.Kristen Said:uk only how can u check your credit history on the net for free?We Answered:www.AnnualCreditReport.com for the US. Post under Answers United Kingdom for UK!Mae Said:Star travel e-mail scam? can anybody tell if this is legit.?We Answered:It is a scam, and you will be getting a lot more of them by using online sites - a LOT more of them. It is really usually very easy to spot them, as they almost all have such atrocious grammar and spelling - as this one does. Then...

    Free Online Credit History

    Earl Said:Where can I get a free credit report online?We Answered:www.annualcreditreport.com.Gordon Said:is there anyway that i can get a copy of my credit history for free online?We Answered:http://www.freecreditreport.com But remember to cancel the subscription before 30 days, or they'll charge you something, read the terms. MarceloErnest Said:How can I get a free credit report online?We Answered:if you are looking for the free credit report national site, check out this site http://free-credit-report-national.info Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score. Hope this help,Christopher Said:how can i get a free copy online of my credit history in australia?We...

    Good Credit History

    Ruth Said:How can I have a credit loan for Small Business in Canada, if I don't have a good credit history or a propertyWe Answered:When you made your business plan and business model showing your cost for start up. You should have reconized your situation at that time and taken appropriate action then. You went ahead and did your companies registration premature. There are companies in Canada that help in these situations. Banks and lending institutions will want a personal guarentee on the loan when your business is less than two years old. After two years the...

    History Of Stock Market

    Bill Said:what is a good amount of money to invest or start working in stock market?We Answered:Yes, this is a "good amount of Money" to invest more than adequate to start. Your allocation to stocks, bonds, and cash depends upon your age, risk tolerance, and size of your investment portfolio. This amount can earn about 6% per year annualized over some period of time. I would recommend with this amount, all allocated to stocks, (that means you have other assets in cash and bonds), 10 companies each within a different sector for diversification. In other words, $10-15K invested in 10 different quality,...

    History On Credit

    Katie Said:How did everyone find the 2010 standard grade history credit exam?We Answered:i did the B A D sections and found the questions were mainly straightforward enough, it was just a struggle to keep within the time limit as there was a LOT of writing involved :( i thought my hand was going to fall off...otherwise it wasnt too too bad (:Victor Said:Who would the do the credit report and rental history on if i have some one else in charge of my financies?We Answered:It would be you, not your accountant. Your accountant is not liable for your...

    History Stock Quotes

    Ronald Said:How do I know if a stock pays dividends?We Answered:If you look at the stock quotes, you will see an indicator showing D/Y or DY or it would say DYield. This actualy indicates the divident expressed as a percentage of the share price. If it shows > than 0 then it pays a divident. If you use http://finance.yahoo.com you will find the divident history of the share indicated if you browse the history of the share price. I hope this helps. The longer way arround thoug is to have a look at their anual report. There is also an option where you can...

    How To Build Credit History

    Cindy Said:How do I build a credit history?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - creditreport.imess.netColleen Said:how can i build my credit history?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-free.totalh.comBarry Said:how to build a credit history at 19 years of age?We Answered:I would...

    Improve Credit History

    Edith Said:What are 3 steps a consumer can take to improve a poor credit history.?We Answered:Pay all your bills on time. Negotiate pay for delete agreements for single entry derogatory items on your credit file. Wait out the 7 year reporting period for the derogatory items to age off your credit report.Cassandra Said:How do i improve my credit HISTORY?We Answered: In your case you may need to try to get a store line of credit ( they give cards to almost anyone). Also whoever said they where looking for history may have looking for long term payment history. The only way to...

    Improving Credit History

    Kimberly Said:Improving credit history/score?We Answered:Yes your score will improve, as long as you do not have any late payments, and have handled your accounts responsibly....

    Insufficient Credit History

    Ross Said:Does anyone know a sure fire way to obtain a major credit card if you have an insufficient credit history?We Answered:If you're employed and have $500 in a savings account, convert it into a secured credit card. Most banks should be able to set it up for you. Make sure they belong to the credit bureau.Neil Said:What is going on with the insufficient credit history?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments...

    Loan For People With Bad Credit History

    Carolyn Said:Anyone know any lenders who will lend to people with bad credit?We Answered:I agree with the poster above when he/she states that you should visit a financial counselor. It sounds as though you are in a cycle of borrowing money to pay back other borrowed money. If you continue doing the same thing over and over, the results will be the same. The financial counselor will be able to work with you to create a plan to get out of debt, so you can finally be clear of these debts.Marcia Said:Which loans are the best for people with bad...

    Mortgages With Bad Credit History

    Bertha Said:I have a bad credit history and would like to buy my first home?We Answered:You may not be able to get 100% financing. If you are able to get it, be prepared to pay higher than market interest rate, plus fees and private mortgage insurance. If you have to buy now, that's what you're going to be in store for... if you can wait a couple of years, live as inexpensively as possible, save money for a down payment and rehabilitate your credit, you'll be in a much better position and save a lot of money in...

    Mortgage Poor Credit History

    Esther Said:Can a poor credit history hinder acceptance to the Bar for practicing law?We Answered:Most State Bars have rules regarding Moral Character. As long as you do not have any tax liens, are not arrears in child support payments, or your credit history does not show a pattern of abusing credit and not paying (evidence of defrauding creditors), there should not be a problem....

    Mortgage With Bad Credit History

    Sergio Said:Question about a mortgage loan if you have bad credit but a first time buyer.?We Answered:The only way to purchase with dinged credit and still have a decent interest rate is via FHA. You need a 640 credit score and will get a very good interest rate, in the 5% range for a 30 yr fixed. If you don't have a 640 then you need to begin working on your credit via credit repair and credit improvement.Kathryn Said:can i get a mortgage with bad credit and ccj history?We Answered:The way reputable mortgage companies are handling loans right now, I...

    Mortgage With Poor Credit History

    Minnie Said:Can I get a mortgage with poor credit but cosigner with credit scores of mid 700's but high DTI?We Answered:my husband and i recently bought a house six months after being discharged from bankruptcy and had horrible credit scores. we had a 100% loan and also worked with the seller and we only had to pay $150 in closing costs. i believe that help is out there for everyone, you just have to look for it.Eugene Said:Can I get a mortgage loan with poor credit history?We Answered:Not these days. Mortgage loans now are only given to...

    New Credit History

    Alvin Said:do you get a new credit history when you move countries?We Answered:For the majority of things you will start from scratch. In fact, depending on the country in question, you might start from below 'scratch' as the blanket bracket of "immigrant" comes with a poor credit profile. That said, for some things you may beneft from having the same bank in both countries. HSBC, for example, are multinational and could help you...Katrina Said:Getting many new credit cards and canceling them in short period of time. Does this affect my credit history?We Answered:Your FICO does get dinged about 5 points everytime...

    No Credit History Mortgage

    Ricky Said:Will Paying off my home mortgage early effect my credit history . (no penalty for early payment)?We Answered:If you have a 30 year mortgage and you're half thru , you paid about 70% of the interest. so you paid it off, you wouldn't be saving that much interest on the mortgage. It's your choice.Gilbert Said:Mortgage Loan 1988 in credit history?We Answered:Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit - credit-report-score.10001mb.comGertrude Said:can i get a mortgage with no credit history?We Answered:You need to...

    Poor Credit History Loan

    Bonnie Said:I am looking for a Loan but have poor credit history?We Answered:Ahh I know this situation very well!!!!!! Have you tried monewy supermarket? They'll check your credit rating and see if they know of any companies that will offer you a loan. Otherwise, these companies are good for bad credit loans: Welcome Finance Marks & Spencer loans Black Horse finance And if you have a halifax account try them, they're kind to account holders. One tip - don't be drawn in by broker companies (especialli UCC PLC) offering you 'provisional' acceptance on loans. I fell for this once, what they'll do is tell you that...

    Poor Credit History Mortgages

    Marion Said:90% mortgages for people with adverse credit - is it possible?We Answered:Mortgage companies are getting pickier because of all the defaults and foreclosures and tightening of the market. I'm not sure you could get a 90% mortgage with your history right now, and I wouldn't recommend that you do it even if you can find a lender. For one thing, the interest rate will probably be too high, and anythin above the 80% will be at a higher rate, probably with an ARM that will go up in 3-5 years. For another, if we are in recession,...

    Poor Credit History Uk

    Rachel Said:a poor credit history?We Answered:Not immediately you will have t improve the credit. Usually with a poor history, even if recently cleaned up, you will have to pay all the judgments and outstanding debts before or at closing of the loan.Ken Said:UK Mortgage.... poor credit?We Answered:I suggest you ask the Council for Mortgage advice ... Most Councils are well aware that many people trying to buy their Council Houses have both poor credit and low income - and many have made special arrangements with specific Mortgage Lenders for 'social' loans .. Under normal circumstances you could expect to be offered a...

    Rebuild Credit History

    Ted Said:how do i rebuild my credit history?We Answered:i'm in the process of doing that. what i have done is get a credit card first. (capital one is good for bad credit people) use it for a monthly purpose. (mine is gas becasue of my line of work it is also tax deductible). Then have it set up to automatically pay every month. once that happens, you'll get offers from other cards and do the same thing. for instance cell phone bill, or car insurance. make sure to do automatic recurring bill...

    Remove Credit History

    Misty Said:Any possible legit way to remove a bad credit history?We Answered:?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - creditreport.fateback.comFranklin Said:Is there a way to remove bad history from your credit report?We Answered:Yes and no. You can attempt to remove negative items on your credit report by disputing them with the credit agency(i.e Transunion, Equifax, or Experian). They will contact the original creditor who has to prove in writing within 30 days that they have or had a valid claim. Its worth it...

    Rental Credit History

    Debbie Said:does anyone know of a decent apt. complex in ft. worth that is lenient on credit/rental history?We Answered:Try using an apartment locating service. It is usually a free service for you and they are familiar with most communities in the area so they are already aware of qualifying criteria at each community. Using a locator will save you time and a ton of foot work.Rodney Said:How can someone with a bad rental credit history (apartment) be able to get an apartment in their name?We Answered:your friend needs to pay off the rental lease, which will improve her rental credit....

    Repairing Credit History

    Bonnie Said:Repairing Credit?We Answered:Start paying off your credit cards. Don't settle with them if you are looking to repair your credit--this will report as a settlement on your credit report. Also when doing settlements the credit company has to report it any amount not paid as a loss, and any amount over $599 that is not being paid is reported to internal revenue. The IRS considers this as income, and you have to pay taxes on that amount. Do try to pay off quickly due to every month an account is delinquent it is reported to...

    Repair Bad Credit History

    Byron Said:How long after repairing bad credit could you be eligible for a new loan for school/training?We Answered:Your best bet may be to file bankruptcy. The law now was "suppose" to make it harder for persons to file but it really didn't. You have to not be working full time to file. Anyway, in regards to school; you need to fill out something called a FAFSA @ FAFSA.gov. No one is turned down for financial aid through the federal system ( I think you may have to go to an accredited school). You will be given...

    Repair Credit History

    Daisy Said:Credit History Repair question(s)?We Answered:Best thing you can do is settle those debts. When they have gone to a collection agency you should be able to settle on a lesser amount than what was originally owed, sometimes this can be knocked down by 75% of what was originally owed, if they are unsecured debts. Secured would mean it is secured by a house or vehicle. If they are unsecured it would be a credit card. Be sure to gather paperwork that says the debt you are trying to settle will actually be settled, ask for paperwork ahead...

    See My Credit History

    Ian Said:Cheapest Way To See Your Credit History?We Answered:Well I'm amazed....not one silly answer about going to FreeCreditReports.Com! The idiots here just love to post that site. The ONLY place you can get free credit reports is by going to http://www.annualcreditreport.com No fees....no gimmicks....Ronald Said:how long do creditors want to see good payment history on my credit report to be considered good?We Answered:Use the Credit Bureau sites. Read everything on these sites. They give good advice and guidance toward improving your credit record. Each year you can now get a free report from each of them. You can also...

    Student Loan No Credit History

    Joshua Said:having a federal student loan establishes credit history?We Answered:Yes, student loans do establish credit history. It won't establish your credit until you start paying the loans back. If you get the payments deferred, like many people do, it will show on your credit, but it won't really help you establish credit, because you aren't actually making the payments. You can go to furniture or jewelry stores and open up an account, but you'll have to have a job to get an account.Dave Said:how do i know if i have a good credit history? I need a student loan and i...

    Tenant Credit History

    Barbara Said:how can I check the credit history of a tenant?We Answered:There are websites that you can go to and enter their information. You will need social security number and birthdates. It will cost you about $25 for each report. Try USSEARCH.COMLouise Said:should I consider a copy of credit report brought to me by prospective tenant or should i get my own?We Answered:Many factors, but its important to carefully screen each and every adult occupant Now what type of rental? I have a mixture of both high end and some low end, on the low end the bad credit score...

    To Build Credit History

    Miriam Said:If I wanted to build credit history, would this work?We Answered:Yes, that's essentially how I use credit. I buy gas for my car and pay in full each month. Having good credit saves you in car insurance, home insurance, and gets you better jobs. Never pay in full before you get your bill in the mail. Credit card companies report your balance to the bureaus on the closing date. You want to show usage on your credit report. /Evelyn Said:What is the best way to build credit. Have been turned down for not enough credit history.?We Answered:just think you are better off than 85%...

    Unsecured Loans Bad Credit History

    Mitchell Said:does anyone know of a company willing to do unsecured loans for credit w/ bankruptcy? no payday loans.?We Answered:I agree with Steve M. When I filed for bankruptcy in 1990, I applied for a general loan in 1992 for $1,000. I wrote my credit union a letter and told them that I had just purchased a computer for cash over the weekend ($1,200) and I wanted to get a small loan not because I needed the money, but because I need an opportunity to reestablish my credit. They called me back and said "we'll do $500.00"....

    Unsecured Loans Poor Credit History

    Beth Said:I need a 15000 unsecured personal loan and have poor credit what can I do. Nothing is working!!!?We Answered:Poor credit (history) is an indication that you haven't paid in the past as you agreed to pay. I don't think you'll find anyone, other than possibly a friend or relative, who would loan $15K to you unsecured if you have a history of not paying as agreed. For the future, you might look to something like: http://www.daveramsey.com to learn the tools of personal finance and be able to avoid situations that put you in need of $15K loans. But I don't think...

    Unsecured Loan Bad Credit History

    Minnie Said:how to get a loan unsecured with bad credit history?We Answered:You can start by accessing mycreditadvise.com my wife and I have learned how to manage our money from what we've read there. Good Luck!Emma Said:how can i get a loan with bad credit history a loan thats qaurenteed with no scammers or brokers fees?We Answered:Anything online will be a scam. Read that about 10 times and understand it. /Sally Said:I need a personal unsecured loan for bad credit history?We Answered:ocean finance.Karen Said:where can i get a definate unsecured loan for people with bad credit history? anyone know any places in uk?We...

    Unsecured Loan Poor Credit History

    Brian Said:where can i get an unsecured loan from with poor credit history?We Answered:checkout the loan information with bad credit It's help you hope visitBeth Said:Anyone know where I can get an unsecured loan for $60k, with poor credit and no assets?We Answered:If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a fresh loan. But you should be meeting some conditions laid down by the lenders. Loans for bad credit people are in fact easier to get then they were ever before, thanks mainly...

    View Credit History

    Eileen Said:Best credit card for people with No Credit history?We Answered:Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - freecreditreport.sinfree.netJanice Said:Is it acceptable to ask to view your boyfriend/girlfriends credit history?We Answered:If you are contemplating marriage, contemplating living together, or contemplating making a major purchase together then yes it would be acceptable. Otherwise, it's not really (general) your business.Jerome Said:How is cosigners credit affected?We Answered:If they are foolish enough to sign as a co-signer, their...

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