Loans

7 years

Yes! That is a good credit score. Not gold, but pretty good. Are you talking about getting a mortgage right after you graduate and get a job? Or before? The last 2 years don't matter very much....as long as you have a job that is verifiable once you apply for the mortgage. If you are still wondering, don't be scared. Grab the yellow pages and pick a mortgage place and call them up. Ask them what the qualifications are.They will be thrilled to answer your questions.

yes, you can purchase a home while in chapter 13. However, It may be best for you to to wait until you are one day removed from bankruptcy with discharge papers. b/c you will pay a hefty interest rate. If you do this, it may be beneficial to get on a ARM with the goal to refinance w/in 3-5 years. The goal will be to have your FICO score w/ cash reserves (2-6 mos) in good standing before refinancing. good luck

It may make it difficult to get low or reasonable interest rates and there will likely be added stipulations as to extra fees and penalties.

It depends on your contract. Most will take your payment then phone you. Please note that if you don't call first, you will get a "ding" on your credit report. The reason for this is that if they don't change your payment amount in the computer FIRST, then the when the credit reporting program is run at the end of the month, it will note you as "delinquent" and report that to the credit bureaus. You see, "delinquent" may be due to under-payment or non-payment. Note that in addition to paying a fee, lenders are obligated under contract to provide information about payment progress to the credit bureaus in exchange for their capability to pull data about prospective borrowers. Most lenders are willing to help get you by a "hump". They don't want you to "skip". Hope this helps.

yes. plain and simple. you lent the car and then they are a permisable driver. As long as they are not n excluded driver or a resident in your house. It depends, if your policy is a named driver & the driver is not named, your policy will not respond. If your policy is a standard auto policy then yes, your policy will respond.

No, Florida law protects the primary homestead from forced sale of creditors to repay debt. In many cases it will also prevent a lien from being placed against the property.

It all depends on your score.....12 months after discharge, i bought a brand new car....$32000.00 at 9% interest rate.... DO NOT fall into the 18% trap, you are better off buying a junker until you get your score to about a 620-650.

Yes, this is because the loan agreement was voided when you were late with one payment.The lender has decided to auction or sell the car even though you can bring the loan current,they can do this.

Yes he/she is just as responsible for the loan as the signor of the loan.

Hi, i had problem getting a loan from my bank.until i was introduced to REV.JOHN,a man of God whom God used to bless and change my life today. feel free to contact him today at revjohnloanfirm@gmail.com. consider your loan and financial problem solved as you take the right decision."congratulations in advance" remain blessed IN JESUS NAME.AMEN

If you have a lot of equity they can take your house, but if your loan is about what the house is worth then they don't want it..... They want to be able to sell somthing to pay the creditors.... It is very rare for a home to be seized and sold in bankruptcy; generally it is done voluntarily by the debtor/filer because they cannot manage the mortgage payments or a reaffirmation agreement is not possible. The state homestead exemption is what protects a home from a forced sale in bankruptcy or in a creditor lawsuit.

When you cosign you are taking on all responsibilities of paying that debt. If this person you loaned the money to is bankrupt then it's like getting blood out of a turnip. Going bankrupt means you don't have any assets or money. To be honest, most people (if in business) do have spare cash stashed away and also assets, so if this is the case please seek legal counsel. Good luck Marcy

Yes if you have enough value in your home.

Your question is a bit unclear however most companies do buy other companies title loans and give youa fresh start. One company is 800LoanMart.com

There are several factors to consider when opening a new line of credit prior to applying for a mortgage. The most important factor is the new account's affect on your credit score. A single inquiry on your credit can decrease your score by as much as 25 pts and that can be disastrous for mortgage qualification purposes. It is best that you know your qualifying score prior to attempting to open a new account and then be able to determine if there is a cushion for a new account's impact. There is also the issue of a new payment and how it would impact your debt to income ratio. If you need any further assitance with this feel free to contact me. Eloy D. Benavides Branch Manager Platinum Financial Group 214)607-1445 Direct line eloy@platinumfinancialonline.com www.1800PFG.com

That depends on how many points you lost when the late payment showed up. Credit scores are based on ALL the information in your file, not just this one factor. Without detail on your file, it would be impossible to guess the impact of one small piece of data on your score.

A cosigner or coowner cannot repossess a vehicle. That is something the leinholder does.

I have received mortgage loans based on my bank statements as proof of income since my sole source of income is Federal benefits for which no weekly statement is issued.

Yes the Stafford Loan No matter what you do - you need to fill out the FAFSA (Free Application for Federal Student Aid) First complete the FAFSA at www.fafsa.ed.gov they may give you federal funds (unlikely) if they don't you qualify for the Stafford Loan (Federal loans = low rates, better payment terms, etc) After that if you find you still require additional funds - check into fastweb for potential scholarship options

in most cases you can't included student loans in the bankruptcy filing. It would all depend on who your're trying to get the loan from. Some would let you have a loan (like the government student loans and stuff) but if your trying a private place like a bank you might not be able to.

Sit down when you have time with a pen and a paper and the yellow pages. Call every lender in the mortgage section that says "bad credit okay" or "all credit accepted", etc. Then write down what they say. Tell them straight out you want to get pre approved for a loan but you have bad credit, and then ask them how much the mortgage has to be. They will tell you straight out. I don't know if you have a downpayment or not, but your chances will be considerably improved if you could come up with 5%. For example, if you needed a 25,000 loan, you would only have to come up with 1250. It's worth your time to do this! I did this and one of the first people I called said I needed 10% down, with 8.5% interest and some very high payments. I kept calling people got a mortgage with 0 down and 7% interest. Different lenders are very different. And I have bad credit. (600 credit score)

If it's your husband go to experian/reports.com and pull his credit report, but if he did and you see it what's done is done because even if he takes it back or she get's it repoed it'll still be on his credit that's a very bad decision once made, just ask 'God to help you forgive in your heart and move on. If you Love him if not use it for an excuse. Dallas,TX cheaters.com

Probably. Contact your lender while the loan payments are still current, and they'll be much friendlier and more cooperative. Don't wait until you're behind. Remember, they don't want to take your car, they want their money. Probably. Contact your lender while the loan payments are still current, and they'll be much friendlier and more cooperative. Don't wait until you're behind. Remember, they don't want to take your car, they want their money.