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Credit Lenders
RobEri asked:


My score is 650 with an income of 53,000. I’ve got 1 secured credit card opened under b of a and was considering opening another. I know I need established credit, but how much of it do I need? I want to apply for a loan but not sure if it’ll hurt me in the near future. Def. want to buy by the end of this year and take advantage of the FHA 3.5 (hopefully it sticks).

Nicholas
Credit Lenders
Bob B asked:


The person with the bad credit is the cosigner the other person doesn’t have any credit at all because he is only 17. We both have full-time jobs and the person being co-signed works 2 jobs. PLEASE HELP THANK YOU!
Yeah I’ve aleady found the car I want and it costs 2500. What if I put down a couple hundred dollars as a down payment, do I have a better chance then?

Alexander
Credit Lenders
Treacher asked:


Aren’t those things bad for you?

I had bad credit before because someone screwed with my credit, I repaired it a bit, it’s in recovery and I have a student loan and car loan I pay timely—Those chopped liver?

What card should I get for my first credit card? And why do I have to have one—I couldn’t get one before, so how was I able to build one?

Valerie

Credit Lenders
Ray S asked:


given the credit crunch, are there any legitimate bad credit auto or personal loan lenders, please no web sites, just names

Landon
Credit Lenders
ruxc82 asked:


The lender can’t charge me for the time they took to get me aproved for a loan, but feels they can charge me for UPS overnight fees, credit report, and some underwriting fees. I swtiched lenders because the one I had could not do the job in a timely manner that we needed before closing. Thanks for your help.
Thanks for RESPA mark some very useful information on the web site. Also thanks to the 5 year broker for your statement as well.
Nope I never paid them anything. I had receieved the good faith estimate and a payment was due after receiving the good faith estimate to get things down to the underwriters and start the loan process. Then we became aware that the lender could not meet the deadline so we switched.

Brooke