Trulia Community - Advice from neighbors and local experts

Find Your Community
We couldn't find that location. Please try again.
Get Expert Advice

Credit Score : Nationwide Real Estate Advice

  • All712K
  • Local Info60K
  • Home Buying261K
  • Home Selling44K
  • Market Conditions26K

Activity 2,049
A few hours ago
Darrell Trice answered:
Here is a great service covering all 50 states.
Real Estate Services offered also. 20 Years of experience helping people. HUD Certified, satisfaction guaranteeed.
www.MyFES.net/DTrice
0 votes 23 answers Share Flag
Thu Jul 27, 2017
Baxter answered:
Today, my TransUnion new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies..What can you do about it----nothing! I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt but have not responded..They are not going to respond. The rating agencies run wild I don't need new credit.
I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year. Probably costs me several hundred dollars for my private residence and rentals.I repeat, the credit rating agencies have more power over your financial life than you can imagine, and they report to no one. Not one government agency will get involved in the algorithms used by rating agencies. It's their call. Not even the new Consumer Protection Agency will touch this subject. I know. I tried to get them involved but got disappointed..As usual no response..I was able to put a full stop to it through the help of a young man and now my scores are what I want it to be..He's honest and very intelligent..The way he worked it all out I have no idea but he did..You should contact him today he will help change your life..cheeterhacker@outlook.com
... more
0 votes 88 answers Share Flag
Thu Jul 27, 2017
Kathy Burgreen answered:
You need to change your strategy. Two bedroom rental apartments in Brooklyn average $4,000./month and up. The only place that might have 2 bedroom apartments for $1800./month is the Bronx. Next you need to have a credit score because that's what landlords use to verify if tenants pay their bills on time. Finally, standard property insurance that landlords pay for does not cover damage or liability for your dog, so it's much easier for landlords to have a no pets policy. You can contact insurance companies and pay for pet insurance yourself. Once you have insurance with damage and liability coverage, landlords will accept you. ... more
0 votes 1 answer Share Flag
Tue Jul 25, 2017
Pamela Braggs answered:
Tue Jul 25, 2017
Sherylwengel asked:
Mon Jul 24, 2017
Chad cobb asked:
Ok so I screwed my credit up some time ago. I have since paid off most everything except for a repo vehicle which I am arguing the amount. I have cc that I pay on time my credit score…
0 votes 0 Answers Share Flag
Mon Jul 24, 2017
Sheryl Arndt answered:
Hello Catherine, I hope you found a place to rent by now. You could rent 3-4 bedroom 2 bath single family homes in Sacramento up to $1,800 rent. You should also study RENT vs BUY listings to compare payments.

You may qualify to buy with minimal out of pocket expenses and pay about the same as rent with down payment and closing cost assistance programs. You may qualify to purchase 3-4 bedroom 2 bath single family homes for less monthly payment than rent in Sacramento.

Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, loan program and how much you want to invest into the down payment and closing costs. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve and you can be emailed listings to fit your search criteria. Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary.

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran and VA/CalVet Loan Specialist
Credit Repair Advice At No Cost
ALL Loan Programs Available
24+ Years Experience
BRE# 01140252
NMLS# 297251
... more
0 votes 1 answer Share Flag
Wed Jul 19, 2017
Sywilliams8215 asked:
Wed Jul 19, 2017
Cipijofe answered:
My family’s medical bills added up quickly. With my credit cards topped out and no money saved, I couldn’t make payments on time. BIRDEYE helped repair and examine my situation and helped me climb out of the hole..Contact info (BIRDEYE dot HACK at GMAIL dot COM) ... more
0 votes 73 answers Share Flag
Tue Jul 18, 2017
Jennifer Hotka asked:
I had a short sale on a home in 2007 which resulted in a charge off on my credit report. This I understand. It was sold to a debt collector. I can't remember what the previous debt…
0 votes 0 Answers Share Flag
Fri Jul 14, 2017
Christina asked:
Fri Jul 14, 2017
Annawhit33 asked:
My Husband and I are first time home buyers, we make 115/yr combined, our debts each month are pretty low - 200 student loan, 300 for a personal loan, and 150 for a furniture credit card.…
0 votes 0 Answers Share Flag
Thu Jul 13, 2017
Kathy Burgreen answered:
No. You need to know that the law was changed last year and for Fannie Mae loans, the new rule is for lenders to use 1% of the balance owed on student loans and add it to the buyer's debt to income ratio. Freddie Mac doesn't have this rule so if you can find a lender that does Freddie Mac loans, that might be a possibility.

I wo
... more
0 votes 1 answer Share Flag
Thu Jul 13, 2017
Info.jaafarlending asked:
Tue Jul 11, 2017
Lowell Jones answered:
https://mycreditjump.com/credit-repair-orlando
0 votes 18 answers Share Flag
1 2 3 4 5 6 7 ...
Search Advice
Search