I have a credit score of 645 is that good for getting my first home?

I have a credit score of 645 is that good for getting my first home?

If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

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“”How does LADBROKES for example, how do you work out the odds I whant to put on a bet but not sure on the odds?

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Where should I go to get a good ‘bad credit car loan’?
I am 24, live in so california and I NEED A CAR. I have really bad credit, Im pretty sure its in the VeRy low 500s, I bought my last car in cash FOR 7,000 from a family member (crashed it in Dec). I work about 30 hours a week as a medical Admin assistant and Im in school. I dont own a home, I rent from a family member… but I have been at my same job for about two years now… I want to get a used car for about 9,000 to 12,000, prob an 2006 model… how can I get a loan?? Ive put in one application to a car dealership online and was denied, I’ve been hesitant to apply again until I have a better idea on Where or with what kind of co to apply with… Help! please, I really appreciate any advice! Should i try for a loan with one of those ‘bad credit auto loan’ website? if so which one? and would they lend for a 2006 model? Should I just find a car I want at used car lot and apply with them? (I got approved a couple years ago for 9,000 after putting 6,000 down but my credits got much worse since then and I definatly dont have 6,000 cash right now… maybe 2 at the most). Advice please!!!! THANKS SO MUCH! :):)””
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Ive applied for my first credit card but I do not understand APR.?
my APR is 22.99% if I pay my bills on time does this still apply?. I really need someone to break this down to me. Also Apr for balance transfers, what would I be transferring to? The last question is Apr for cash advances. What does that mean. They seem like really stupid questions but I still don’t understand and if someone could help meee out and not be so judgmental that’d be great. Thank you.!””
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How much down payment needed these days on a house?
What is the norm for down payments on home loans these days (June 2009)?
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Does anyone know how much my credit score will drop if I settle my debt?
I I have three cards which I owe a total of 50K on, I cannot pay them anymore, I wanna see if my aunt will give me 20K to settle. I do not want to go on a payment plan, I just wanna get this **** outta of my life. Can anyone please help me and let me know what the repercussions are as detailed as possible if I do this, I greatly appreciate it.””
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Where can I find my credit score?
I dont want to use freecreditreport.com/experian because I used them previously and they charged me. i have paid off two debts and I basically want to know if my credit score went up a lot or not much at all.
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What apr will i get from car dealer with 686 transunion score?

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How long does it take to get the final decree from the trustee in ch. 7 bankruptcy?
Once someone gets the final discharge of debt paper in the mail from the bankruptcy judge, how long does it take to get the final decree in the mail from the trustee? It states that the bankruptcy is not final until the trustee declares it so even though the judge has. It took over 5 months to get the discharge of debt form. Does anyone know anything about this?””
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Debt or bill consolidation for payday loans?
any companies out there that will pay off payday loans under debt consolidation program
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HOW MUCH IS A Cash Advance Fee IN BANK OF AMERICA?
IM IN COLOMBIA (LATIN AMERICA)
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How will forclosure affect your credit cards and interest rates?
I bought a house about 7 months ago as an investment. It turned out to be a mis-calculated step, and currently, i am really struggling to make my payments, along with my credit cards and student loan bills. My questions are as follows: 1- What will happen to my credit cards and interest rates once the house goes to foreclosure? Will i still have them, will my interest rates go up? 2- Can i file for bankruptcy although i am never late on a payment? Neither my credit cards or my other bills? I am at a point where my monthly bills exceed my income by about 500 dollars, not including gas, insurance, energy and most important my daily expenses. These are all charged on my credit card for lack of funds. Please advise!!!””
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Free credit report for credit card application rejection.?
Hi, Recently one of my credit card application got rejected. The letter from the bank states that, i am eligible to get a free credit report within next 60 days. When i called the credit reporting agency (transunion) number given on the letter, it goes to an automated number and requires me to provide ssn and address details to get a report. How do i reach out to a real person and get the free report i am eligible because of my application rejection?””
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What are redeposit fee’s when you pay a creditcard online?
I made a payment on line to my credit card and I got charged a redeposit fee of 29.00…and I had plenty of money in my bank account so I know its not a non sufficient fee, what could this be?””
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My credit score is 727?
My credit score is 727. I have student loans that I haven’t started to pay off yet since I am still in school and also a credit card with no delinquent payments. Will my score go up once I start to pay off my loans. Also, I am wanting to buy a car. Is my score good enough to get a first car?””
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Auto loans for a college student?
I am 18 years old and will be attending college this fall.Due to being over 400 miles away from home during the holiday breaks I would like to invest long term payments on a car than other transportation. I think it will be a good investment. What car name brands are known for having good milage: most names I have read are Toyota and Honda, any other for a price range under 5k? I have recently applied for a credit card and question about how to get auto loans under new credit and 18 yrs. I plan to get under my parent car insurance ( progessive) for little to no charge. Thanks, I really need reliable transportation during breaks.””
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What is the best auto loan rates in arizona?
I want to get a 2014 Kia Forte. But what auto loan rate should I have? I have pretty good credit I’m 19 and its about 710 or so. I have a credit card that I have made payments on and have never missed a payment. My friend said they have specials like 2% apr but my bf works at a bank and said his bank is about 8% so I’m confused.
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“”Why is it when you want a free credit report”””” its never free?””””””
all i really want is a free credit report, not anything to do with a credit card, if i had one i wouldn’t need a credit report.””
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#repost

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I have an auto loan that i need to refinanc. my credit score is 730 . which bank gives the best refinance rate?

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Should i get an auto loan from my bank or capital one?
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“I have a credit score of 645 is that good for getting my first home?

If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

“
What is the difference between a mortgage and a home equity loan?
I own a home that is paid off but would like to take out a loan to fund some home improvements as well as help my parents pay off their home equity loan. Given this scenario can I take out a mortgage since mortgage rates are lower or am I limited to a home equity loan. I’m not interested in HELOC’s.
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Where do I get my annual free credit report?

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How much will the precentage rate for a used vehicle be with someone with poor credit? Approx.?
We have ours lawyers ok
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Looking to buy a new car?
I am looking at buying a new/new to me car. I am friends with the owner of a chevy dealer and the finance manager of the same dealer. I recently had to file bankruptcy but I need to buy a car to get back and forth from place to place. Both have said they can get me a good deal on a car new or old. What kind of a deal do you think they can get me? Thanks for any help you may have.
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Where can I get a copy of my credit report for free without having to join some credit protection service?

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Does anyone know a way I might aquire a spare $400 that can be payed back 2 days later?
I don’t get payed until the 3rd, and rent is due on the 1st. I can’t get a payday loan because I lost my license — the only one I have has been expired for 4 years. I’m moving into a new place on short notice — this is the 1st month’s rent.””
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I filed bankruptcy what can i do to get a home lone?
i need information about getting a home
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Bankruptcy Lawyers — finding a good one?
Can anyone suggest a good site to find bankruptcy attorneys in my area?
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What are the 3 factors that affect the rate of stream erosion?

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#repost

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Where do i go to get a free credit report without a credit card?
ok i do not have a c.c. but i do want to check my credit. and i also want to start getting my credit fixed is the bank the best place to go to to get that all worked out
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#repost

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Auto loan for someone under 18?

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Am i a victim of an Installment Loan Scam?
After reading up on so much installment loan scams and people with thick indian accents calling non-stop because of filling out online loans that unsuspecting people would put their personal information on it… I just realized what a stupid move that was. but is it all a scam? I’ve been reading on these people requiring $200 or more to be paid upfront through western union or whatever (obviously that is a scam) but my situation is a tad different… this guy who says his name is robin”””” (with a thick indian accent””
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“”After Bankruptcy, credit card debt?””
I have declared bankruptcy, and I heard that in regards to my credit card debt, if I was not able to pay it off, after three years the company can not continue to attempt to collect the debt. Is that true? When will it come off my credit report?””
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“”I wanna know my credit score, but I don’t wanna pay for it?
is there somewhere i can get my score without paying for the info? shouldn’t i be able to access my own credit information?
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“”What is a credit crunch and what do they mean when they say the “”””credit markets””””?””””

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Was Ebenezer Scrooge a good man or a bad man before his transformation?
Ebenezer would: Never Loan money to someone who couldn’t pay it back; Never Sell a product with hidden traps — like derivatives; Make sure you paid your obligations!; Didn’t waste (bit fanatical there); Didn’t spend on frivolities; Expected work for pay; Expected pay for work; Bah Humbug! Always loved the guy. He really was a good man, who wouldn’t let you fail.””
“I have a credit score of 645 is that good for getting my first home?

If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

“
Who decides which chapter of bankruptcy i file. I want chap.7?
how long before my credit starts getting better.
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Improving credit by raising credit card limits?
I’m a 25 year old female who still lives at home, so while my credit cards and bank accounts are my own, I still value my mother’s input. However, she is by no means a financial expert and her only post-secondary education is the school of hard knocks.”””” I have three credit cards and I use them very responsibly. One of them I don’t even use at all but keep the account open because she says that it looks good on my credit report that I have a credit available that I don’t even use. One of the other cards is a store credit card with the department store that I work for””
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Where can I go to get a free credit report?
fffffffffffffuuuuuuuuuuuu
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I’m filing Chapter 7 Bankruptcy and I heard that if you have 2 cars you have give one up or something likedat
Please help it is too late to call my attorney and I have to complete my online credit counseling class but I’m scared because it’s asking me how many vehicles I have. I have two cars but they are POS’s one is a 95 GMC Jimmy and the other is 99toyota corolla…we are I’m filing with my husband it’s a joint bankrupcty…we don’t owe anything on the cars…..
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What is the best way to increase my credit score to 750?
I have a $200 credit card and paying a monthly $15 plus the 12% APR. How much credit points does it give me each month? What is the best way to get a quick credit score of 750 within a year? Will getting a credit card with $10,000 limit and pay the 12% APR and monthly payment for it? How much credit score points will it give me for it?””
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What is the best way to start improving your credit after filing bankruptcy?
Rebecca, Thanks lol….I actually have no problem spending. I went through a divorce and was forced to file due to a home I owned. So no problem here. I had very good credit before the divorce. It’s just a matter of rebuilding it asap. Thanks, I will look into that.””
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Where do I get a free credit report FAST?

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How to find poverty rate?
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If I get an auto loan?
If I get an auto loan for 10000 but the car is only 8000, do I get to keep the difference?””
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#repost

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Interest rates for the past 10 years?
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How much would this effect my credit?
So I made the mistake of getting a credit card for 500 dollars when i graduated high school. Well I went over the credit limit and didn’t make payments for a couple months. That was almost a year ago. Well I got back on track and started to make the payments and now i almost have it paid off. Around the time i got the credit card i bought a new car. I never had any late payments on it though. How much did that credit card really effect my credit score?
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Does any one know or recomend a good lawyer for bankruptcy?
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Does paying my cell phone bill late effect my credit score?
I have verizon wireless, I’m a month behind on my cell phone bills. My phone bill is do on the 2nd of each month but I always pay it at the end of the month. They don’t turn my phone off unless i reach the 2nd on the month again without paying it. Basically, I’m a moth late paying my phone bill each month. Is this effecting my credit score?””
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“”Is there a list of people who have filed bankruptcy in alexandria, LA in 2006 and 2007?

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I have poor credit and a low income I am in need of a cash loan I cant get a payday loan because I have one?
Like I said I can’t get a payday loan I have been on the web filling out all kinds of loans and I keep geting turned down I need 500 to 600 dollars right away I’m about to lose everything and become homeless I just don’t know what to do if I could get this loan I would be able to pay my bills and pay it back in 3 to 4 months please help I’m despert
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How do I request a credit report? And how much does it cost?

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Can I include my CashCall loan on my Bankruptcy?
Does anyone have any experience with this? or even with this company.
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How many points are taken off your credit score when a credit check is done?

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“”I overpaid the bankruptcy court. They gave me a refund of the overpayment, is this taxable.?

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Will the credit card company reduce my interest rate even if I am late on payments?
I am at a 31.99% on my credit and I have been able to get them to reduce my rate now with this rate hike I can’t even afford to pay the minimum. What approach can I use to convince them to reduce my rate to ease the monthly payment. HELP!!!
“”
Can you use Paypal as a credit card?
Most stores online don’t accept paypal, so is there away to use Paypal as a credit card. Ex: It generates your a CC number to use, and it debits it from your Paypal balance.””
“I have a credit score of 645 is that good for getting my first home?

If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

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Should i file for bankruptcy?
a few months ago i was jobless and homeless and ended up in the hospital in a state that i was not a resident of and the hospital sent me to like a psych ward/rehab place and that place wouldnt release me because they had nowhere to release me to until they got a hold of my parents and my parents came and got me and i got two bills from the hospital and one bill from the other place and i have a job but i dont get many hours and there really arent many options for jobs where i live i made payment arrangements with the hospital for two bills and i can just barely make the payments each month and the other place didnt send a bill until just recently and its over $9,000 and they wont give me a payment arrangement that works for me they want almost $2,300 a month for 4 months which i cant do i make less then $300 a month right now since that payment arrangement doesnt work they want me to get a loan from a bank but i dont have a credit history and no one would cosign and i dont make enough money to afford another bill each month my mom says that i should just file for bankruptcy my parents dont have the money to loan me and refuse to cosign anything for me or really help me in any way i dont want to have to file for bankruptcy because i dont want bad credit to start my credit history and i was hoping to go to college in the next few years (which would require loans) im only 19 and i have a daughter whos 10 months (she lives with her dad — she was not with me when i was homeless and all of that) and i want to be able to set the best example for her as i can and ive already messed up so is bankruptcy the best option or does any one have any ideas on what i should do?””
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What happens if I can’t pay back a casino marker?
If I get a marker worth my bank account of 3000 then I take out that from my bank account then finally take out my marker at the casino, in Canada Ontario what might happen if I can’t pay back the marker? If i filed for bankruptcy etc..””
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What does it mean when the property is appraised higher than we originally thought?
We are purchasing a manufactured home and are putting our 2 acres (subdivision) up for collateral. The salesman told us that the appraisal needed to come back at around 72,000 but it turned out that it was appraised for 90,000. What does that mean exactly? Will my mortgage payments be higher or lower?””
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What is the difference between financing a car thru a dealership and getting an auto loan through your bank?
I’m purchasing a new car soon and I alaways see specials for financing a car thru a dealership. What is the difference? I was planning on going through my credit union.
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How to get a real loan to pay off payday loans?
These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?””
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Are there any good payday loan places that accept Ga. residents?

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#repost

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Need help trying to get pre-approved for a mortgage to buy a house?
don’t have bad credit just don’t have much credit and not much to use as a down payment. i know we qualify for the first time home buyer loans but a lot of lenders have turned us down cuz we are low income any suggestions?
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I need a free credit report for me and my wife?

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Can I use my macys credit card at target stores?

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My mortgage payment i have a late fee due with payment if i don’t pay late fee is that a partial payment?

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How can I get a copy of my credit report for free?
This will be my first time checking it, I have reasons to believe someone may have stolen my information. I know there are places where you cacn get them for free, especially the first time. Any suggestions?””
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Need advice on today’s mortgage rates?
what would be a good rate today in getting a mortgage? purchase price$220.000. investment property. 20% down payment . 30 years. $170000 mortgage loan . thank you for your response. location is in SANTA MARIA,CA,93458"”
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How can I get out of debt?
I owe about $2000 in medical bills that have been turned over to a credit reporting agency Im one month behind on my mortgage and cant get caught up on my monthly bills. If I were able to get my medical bills paid and fix my credit I would be able to afford my bills easily. I have no credit card debt but just fell behind and cant get caught up. What can i do? I cant seem to get a loan because of my bad credit. Any ideas?
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“”I have a personal loan with a bank, can I ask for more money (not much) and add it to this existing loan?

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Credit score at freecreditreport.com is 717 Bad or good?
I had a credit score of 717 on freecreditreport.com I am 21 yrs old and dont know anything about this stuff. is 717 good or bad. I have paid some bills late but have been mostly on time. Thanks for your help.
“”
How Good A Credit Score of 579?
I just checked my credit score with Intelius and Experian said my score was a 579. Is this a fair score or a good score? the scale was not clear? Does anyone know credit ratings
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Can you stop a bankruptcy if it has not gone before a judge yet?
My friend filed 3 weeks ago, 1 week ago she lost her home and her husband in a house fire.Now that she is getting some sense about her she contacted her lawyer to see about stopping the bankruptcy,he said he would try but that the state would probably take her SMALL life insurance her husband had. It seems to get worse if that is possible. How can I help her and if it is stopped will the state take her small insurance policy? If so why would they?””
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Best Tony hawk game for gamecube? ?
So I just realized my local gamestop has all those old Tony Hawk games, and since I never got a chance to play any of them, I want to now. So uhm, which one is the best, like the best skate parks and stuff””
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Is cash advance or payday loan always good>?
Where can i get cash fast i want to pay of bills and credit card bills what is the best place to get extra cash i heard that if you take out a loan they collect it when you get your paycheck or big loan to pay less interest? I can think of buying the lottery or going to the casino and gamble i think those are the fast way but the casino is better because you grarantee to win money if you keep playin it. I need more than a thousand.
“I have a credit score of 645 is that good for getting my first home?

If I have the score of 645, and my total balance on all my credit cards is $210 ( my monthly income is $2000 ) would that be good for a lender to get me mortgage? if so please give me examples of lenders specifically in brooklyn or those who deal with all the states.

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