luxemomny 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.

Grace

Ben G asked:


I recently pulled my credit report and observed that Equifax has the highest score… I’m trying to buy a house and was wondering if anyone knows which lenders in California only pull an Equifax credit report?

Christian

Jack B asked:


My wife is a stay home mom and she does not have any income. She does not have bad credit history but she does have some debt. Will banks run her credit report when I apply for a mortgage? I want to apply for the mortgage based on only my FICO, my income and the outstanding credit in my name.

Is that possible in NJ?

Thanks!

Matthew

jwehrly2000 asked:


just need some links, websites or numbers i can call to see if i can lower my payments, right now im paying 468 a month for a 2003 mitsubishi montero with 60k miles.

Giovanni

asked:


My husband and I have been trying to get a loan since last week and have asked several places if they could do it for us, but then we started noticing we couldn’t be accepted for a loan because too many lenders had checked our credit score. How long will this affect us???

Kendall

meenotuss asked:


In need of second car, to start a new job, have very little down pay money and have not been able to get credit up from hurricane katrina.

Dawson

BeatTheGib asked:


Basically my question is this: In a lenders eyes and for credit reporting/scoring purposes, are all loans viewed equally? Other than the commonly lower interest rates on student loans, is there any reason more attention should be given to credit cards and other loans when constructing a debt-reduction program? What are the pros and cons?
Some people seem to missing the point of my question (Hope). My credit is fine though I do have student loans for my undergrad and graduate education. I pay ALL of my bills ON TIME. I know lenders look at a debt-to-available credit ratio. I also know this is a variable in the formula they use to calculate your credit score. Because often times student loans are a necessary evil whereas credit cards aren’t, is there any difference in how their viewed for those purposes.

Charles

PlasticTrees asked:


I would like to pay off bad debts, but I’m wondering if it’s worth it. Even if I pay it off, will it ever matter? I worked as a bill collector for 2 years, although we were trained to lie about how it truly affects your report.

Kaden