http://mycreditscoremanagement.com All you need to know about credit score, credit repair and debt management. Wed, 03 Mar 2010 07:20:44 -0600 http://wordpress.org/?v=2.8.2 hourly 1 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1602 Butchy Karen Wed, 03 Mar 2010 07:20:44 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1602 probably not with that much debt. probably not with that much debt.

]]> http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1601 Summer M Wed, 03 Mar 2010 04:45:10 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1601 the medical bills shouldnt really effect it because they had to treat you but the loans you should pay off some off it try going to freecreditsreport.com good luck on the house the medical bills shouldnt really effect it because they had to treat you but the loans you should pay off some off it
try going to freecreditsreport.com
excellent luck on the house

]]> http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1600 barry c Wed, 03 Mar 2010 01:13:27 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1600 you can get a hone loan with any credit score you might not like the interest payments you can get a hone loan with any credit score
you might not like the interest payments

]]> http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/comment-page-1/#comment-1593 mrsdeli Tue, 02 Mar 2010 23:09:45 +0000 http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/#comment-1593 Step one: pay your bills Step one: pay your bills

]]> http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1599 Just Wondering Tue, 02 Mar 2010 20:02:30 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1599 It's not impossible but it will be difficult. Get as much debt paid off as possible. I am not sure about the medical bill situation. Good luck. It’s not impossible but it will be hard. Get as much debt paid off as possible. I am not sure about the medical bill situation. Excellent luck.

]]> http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/comment-page-1/#comment-1592 bdancer2 Tue, 02 Mar 2010 17:10:25 +0000 http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/#comment-1592 Get a secured credit card. This is a credit card where you deposit an amount to be used on the credit card. Could be as little as $250. Use the card and be sure to pay the full balance at the end of the month. This will up your credit score. Get a secured credit card. This is a credit card where you deposit an amount to be used on the credit card. Could be as small as $250. Use the card and be sure to pay the full balance at the end of the month. This will up your credit score.

]]> http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/comment-page-1/#comment-1591 MiK Tue, 02 Mar 2010 16:29:50 +0000 http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/#comment-1591 Get a copy of your credit report (AnnualCreditReport.com). If you have any single entry derogatory items, negotiate pay for delete -- you pay $x and they remove the item from your report. This will help your score, but won't work for regularly reported items like credit cards or installment loans. Collection agencies can only remove what they report. The original creditor's charge off remains. Paying off old debt won't help your score (unless you get the item deleted). However, mortgage lenders will require that all derogatory items are settled before approving you. Many want the settlement at least 6 months before you apply. If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2 years, offer 75%. Lump sum gets the best deal. Payment plans have to be short term. Get any settlement agreement in writing and keep that agreement, along with your payment proof, forever. Do not give the collector direct access to your bank account. If you don't have a current credit card, get one, even if you have to get a secured card -- you pay $x and they hold that as collateral against the line of credit. Use the card and pay it in full every month. This will build good payment history. You will need at least 24 months of good payment history to see any improvement in your score. Get a copy of your credit report (AnnualCreditReport.com). If you have any single entry derogatory items, negotiate pay for delete — you pay $x and they remove the item from your report. This will help your score, but won’t work for regularly reported items like credit cards or installment loans. Collection agencies can only remove what they report. The original creditor’s charge off remains.
Paying off ancient debt won’t help your score (unless you get the item deleted). But, mortgage lenders will require that all derogatory items are settled before approving you. Many want the settlement at least 6 months before you apply.
If the debt is over 3 years ancient, offer 25%; 2 or 3 years ancient, offer 50%; less than 2 years, offer 75%. Lump sum gets the best deal. Payment plans have to be small term. Get any settlement agreement in writing and keep that agreement, along with your payment proof, forever. Do not give the collector direct access to your bank account.
If you don’t have a current credit card, get one, even if you have to get a secured card — you pay $x and they hold that as collateral against the line of credit. Use the card and pay it in full every month. This will build excellent payment history. You will need at least 24 months of excellent payment history to see any improvement in your score.

]]> http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1598 dh1989 Tue, 02 Mar 2010 14:31:25 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1598 If you have enough income to afford mortgage payments, you have enough to start paying down those student loans. I would concentrate on digging myself out of that debt before going into more to buy a home. If you have enough income to afford mortgage payments, you have enough to start paying down those student loans. I would concentrate on digging myself out of that debt before going into more to buy a home.

]]> http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/comment-page-1/#comment-1590 Kevin F Tue, 02 Mar 2010 11:37:53 +0000 http://mycreditscoremanagement.com/302/how-can-i-repair-my-credit-and-increase-my-credit-score/#comment-1590 First, make sure you pay some unnecessary bills. Then you can hire a good credit repair company to repair it for you. A low credit score affects every aspect of your life - the home you live in, the car you drive, the clothes on your back, even getting the job you want. If you want to raise your credit score to maximize your buying power, check out this link http://www.squidoo.com/how-to-raise-my-c… Hope this help -Michael First, make sure you pay some unnecessary bills. Then you can hire a excellent credit repair company to repair it for you.
A low credit score affects every aspect of your life – the home you live in, the car you drive, the clothes on your back, even getting the job you want. If you want to raise your credit score to maximize your buying power, check out this link http://www.squidoo.com/how-to-raise-my-c…
Hope this help
-Michael

]]> http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/comment-page-1/#comment-1597 candi h Tue, 02 Mar 2010 10:17:40 +0000 http://mycreditscoremanagement.com/303/with-a-credit-score-of-619-can-i-get-a-home-loan/#comment-1597 If you stay on the right path and pay down those cards i can definitely see you getting the home loan. Just make sure that your employment is stable and all of your bank accounts in the next few months are positive and in good shape. Also try to also save a little bit of money for reserves to cover a few months of mortgage payments. Good luck. If you stay on the right path and pay down those cards i can certainly see you getting the home loan. Just make sure that your employment is stable and all of your bank accounts in the next few months are positive and in excellent shape. Also try to also save a small bit of money for reserves to cover a few months of mortgage payments. Excellent luck.

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