Yes, I’m not kidding. Even though this blog has repeatedly said that credit repair firms can’t clean your credit, and that they can’t remove true credit information no matter what they claim. So, was I lying then, or am I lying now? Continue reading ‘Repair Credit Instantly? It Can Be Done, Legally’
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Loading ...Many people with bad credit wonder how long it will take to get a FICO score that will allow them to get a mortgage, or refinance to a better mortgage. What if you pay all of your bills on time for the next 6 months? What if you close a couple of accounts? What if you paid an extra $100 a month on your credit card accounts for the next three months? What if you pull the president of FICO from a burning building (answer: nothing!)? Conversely, what if you’re a bit short this month? How much will missing a payment hurt? Wouldn’t it be awesome if there was a way to give various scenarios a ‘trial run,” and see how they’d affect your score? Well, there is. Continue reading ‘What Is Score Power, and Can it Help Improve Your Credit?’
(No Ratings Yet) Loading ...500? 580? 660? Many people with credit problems would like to know exactly how much do they need to improve their bad credit before they can seriously think about getting a mortgage. Aside from bad credit mortgage lenders, the most forgiving lender on the market is probably FHA. But confusion about FHA’s minimum credit score requirements is abundant. Articles about credit problems quote FHA minimum scores at 500, 580, 600, 620, 640, 660, and even 680. And the FHA Web site doesn’t offer much help either. Continue reading ‘What Is the ** Real ** Credit Score Needed for an FHA Mortgage?’
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Gina Pogol writes for an online media company about mortgage and finance. In addition to a decade in mortgage lending, she formerly consulted for Experian and other credit bureaus, and worked as a tax accountant for Deloitte. She has a BS in Financial Management from the University of Nevada.
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