Where should I look for a loan if my credit is less than good? See details.?
View your credit file based on any of the UK credit reference agencies, or all three at once
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We just got our 1st mortgage out of foreclosure and we need a loan to get caught up on 2nd - quick! We have a few pretty minor issues which are being taken care of. We had perfect credit for nearly 20 years until a few years ago. We filed bankruptcy in, I think, 2001.Hope this helps, credit guru!Also, we are self-employed and our income is very good now.
Where should I look for a loan if my credit is less than good? See details.?Here is what I would recommend, 1st get all 3 of your credit reports(and your husband?) from www.annualcreditreport.com. Review those for accuracy. Dispute any item you believe to be incorrect.
The if you can I would spend the $90.00(2 x $45.00) to get your FICO scores at www.myfico.com/12. When you have your "real" FICO scores then you can do some shopping on the phone with local bankers/mortgage brokers telling them your situation. A good mortgage broker will give you the info without trying to get you to apply to see what they can do. You will be an informed consumer.
What they will need:
Property value
1st mortgage balance & no of late payments & when
2nd mortgage balance & no of late payments & when
Other debts, monthly payments & no of late payments & when
Business net income
Debt to income ratio
Good Luck
Where should I look for a loan if my credit is less than good? See details.?No Credit...No loans...No debt...
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