I am just wondering since this is completely anoymous. We want to buy a house. Our lease is up in 12 weeks. Well, actually 2 months after that, but we have to give a 60 day notice, so that leaves us 12 weeks. (Our lease is up Aug 31st.) Our score is like 565 or maybe 596. I can’t remember. In any case, we don’t want to get boned on the interest rates. Our credit is due to late payments. Nothing serious that will last 7 years like bankruptcy, forclosure, loan defaults or divorce. Anyway, should we try to prequalify now or wait a few months when our credit will be better now that we will be able to get and stay current on our bills, and after paying some off? If we wait, our credit will be better, but then our lease will be up and going month to month is 0 more each month. What is your credit score and also, what would you do in our situation?
Serious answers only please.
There is a home in PA that I like very much (on 10 acres of land). I just found out that it’s modular. I was told that FHA does not finance modular homes(I was hoping to get the 3-5% down; the home & land asking price is 000). Do you know of any places that could make this happen? Credit score is low 600s and wife & I make 80k a year.
We make ,000/year the house is ,000. I don’t think we make too little. Please read the question carefully.
I need a company that will look at my credit score and still say yes and company that won’t need me to increase my down payment but if I’m lucky a company that will look at my credit score and finance me with no down payment.
Anyone know a real and good auto finance company?
I want to know if I would actually get approved for financing.
I start my job (out of college) in June. I have the offer that I accepted back in October for ,000 per year. I am looking to get a car that is somewhere in the price range of ,000-,000. I will have roughly ,000-,000 in student loan debt but I have a credit score of around 750.
Would I get approved for a loan before I start my job or have to wait until after my first paycheck? Would I get approved at all?
What is the lowest amount I can/should put as a down payment?
Should I go to a bank and get a personal loan or just get one through the used car dealer?
Sorry for all the questions! Thanks!!
I will be graduating from college and will be starting work in August. I will need to get a car, since my workplace is 30 miles away and I don’t have one that I can use now =(
My main problem is on figuring how to obtain a good car loan as a college graduate. I would prefer to have the car before I actually start work, so that I can have something to drive in the summer, and so I don’t have to deal with negotiating with dealerships while working. I’ve looked up financing via banks/credit unions but most seem to require a "current proof of income" which I would not have until I start work. For various personal reasons, it would also be impossible for anyone in the family to help me co-sign the car loan until the end of this year.
Is there anything I can do about this situation? Will I be denied a loan from banks/dealerships or be receiving a ridiculously high APR? My credit score (from Transunion) is 709, but I’m not sure that means much at my age…
Thanks!
Should I hop around from card to card with 12 month 0% promotions or should I stick with the 3.99%, which is good until I pay it off? For the first 2 years or so I’m only able to pay 0/mo. After that I should be able to increase the monthly payment. Does it hurt my credit score to open a new credit account every year?