emilydianemiller asked:


My hubby and I are working on improving our credit to become homeowners. Once I was told you needed to have a good mix of credit on your report to show you are responsible in all areas. We have two car loans, several student loans, and various other items.

We don’t have any credit cards, don’t really have a need for them. But everything I hear says you should have some revolving credit to show responsibility. I don’t want to get a credit card just for the sake of having one unless absolutely necessary.

Anyone with mortgage approval know anything about this?

Jesus

Dion E asked:


I just purchased a car and I would like to know how often does the lenders report to the credit bureau and how much will that raise my score

Jesus

Kat asked:


Let’s say someone wants to get out of having to buy a new property they had put down a deposit for a couple years ago.

The only way I see to get that money back as stated in the contract is to disqualify for the loan per the developer’s selected lender. How can I do that?

So I’m wondering how low do I have to get my credit score to ensure I won’t qualify?!

Alexis

amy asked:


I’m looking for some recommended sites that offer a paid list of bad credit lenders. I DO NOT want a payday loan and am trying to avoid paying for a list only to get a bunch of payday lenders. Please only serious answers; if I could avoid getting a loan, I would…

Gavin

J asked:


I pulled my credit report from Experian and I need to contact some of the lenders/collection agenc/creditors. The credit report lists all the information such as dates, reporting company, status, etc.., but there is no contact information. What is the best and easiest way to get this information so I can call these people that are reporting my credit status? Thanks

Noah

Claudio F asked:


I want to ask to refinance right now but I worry that if I give them my SSN to check my credit rating, that will lower my credit score.

Grace

Jessica W asked:


My credit score the last time I checked was 635 it’s not good but it isn’t totally bad. I really need a car. This would be my first auto purchase. Should I finance through a dealer? I keep getting turned down for auto loans.

Isabella

jmphjgs asked:


I’ve recently spoke with lenders for mortgage refi’s and also a personal loan.

They say that if you have lenders looking into credit within 30 days, there are no points taken off of my FICO score. So, that’s what I did was tried to get them all within 30 days.

But, as a result, my points dropped anyway. When does that clear up?

Caleb