Credit Score Management

With A Credit Score Of 619 Can I Get A Home Loan?

Alan — Mon, 01 Mar 2010 07:59:45 +0000

I have three unpaid medical bills from four years ago on my account. I was going to pay it off (I can afford to now) but I’ve hread it will lower my score and make it more recent. I also have student loans of 50,000. I just paid down my two credit cards to 10 % of my available credit. I’m going to wait until October to apply for a home loan. I am hoping my credit cards pay off will make my score rise by then.

How Can I Repair My Credit And Increase My Credit Score?

Alan — Mon, 01 Mar 2010 07:59:43 +0000

I want to repair my credit and hopefully be able to buy a home. What are the steps to help me repair my credit?

How Much And How Fast Will My Credit Score Improve?

Alan — Sat, 27 Feb 2010 07:55:35 +0000

Here’s the background info:
Came to the US in mid-2001, opened my first credit account shortly thereafter.
Everything was going fantastic, making ontime payments, keeping my balance low, until mid-2004 when I hit a bump on the road, which resulted in several late payments on several accounts, a couple as late as 60, 90 days.
Picked myself up a bit, but have been only able to make minimum payments. Cards are maxed out, which is the reason for my score of 580, I guess.
Have about 4K in credit card debt, which I am plotting to pay down completely within the next 3 months.
How much and how quick can I expect my score to increase? When will it reach a respectable level assuming everything goes well from now on?
Thanks in advance.

What Credit Score Is Needed To Qualify For The “hope For Homeowners” Refinace?

Alan — Fri, 26 Feb 2010 07:59:30 +0000

A lot of information is available on what qualifications are needed for the refinance except one. What’s the required credit score?

If You Are In The Credit Repair Business?

Alan — Fri, 26 Feb 2010 07:54:13 +0000

Hello i want to get involved please give me some insight as to how you stay up to date on how to repair credit , What kind of profit do you make per job on average and any pertinent information that i might need to get this business rolling. Thank you!!!!

How Much Will My Credit Score Be Affected If I Was Reported To A Collections Agency Just Once?

Alan — Tue, 23 Feb 2010 08:20:01 +0000

My credit score was near perfect before this and I was reported just once for a small amount of $13. I am desperate and I have no clue what this will mean to me. Please provide some resources if possible!

Who Are The Best Credit Repair Companies?

Alan — Tue, 23 Feb 2010 08:19:59 +0000

I am looking for a strong effective established company with a excellent track record. my credit is not horrible but not fantastic either. and there are so many to choose from. any thoughts?

What Is The Best Route To Go? Debt Consolidation Services Or Credit Repair Services?

Alan — Mon, 22 Feb 2010 07:56:24 +0000

I am currently overseas and want to fix my credit as soon as possible, but certainly do not have the time or the resources to contact my creditors. The internet is the only means possible right now and I want to know if there is any services out that that stand out above the rest.

What Credit Score Would I Need To Acquire A Department Store Card, Such As Target?

Alan — Sun, 21 Feb 2010 07:57:40 +0000

I’ve been building my credit for a year, after my Bankruptcy and have gone from a 500 to a 561 so far. What score would I need to get approved for a deparment store card, like Target, IKEA, Best Buy, etc.?

How Many Point Does/can Your Credit Score Go Up By Paying A Credit Card Off That Is Maxed Out?

Alan — Sat, 20 Feb 2010 07:59:44 +0000

I heard that you credit score would go up anywhere for 30-40 point if you pay a credit card off that is maxed out (if the balance is over a 1,000.00) Is this ture?? And if not does anyone know about what it would go up?