Is there mortgage lenders out there with credit score of 400 or below?,? Had a credit score between 640-690, had a stroke and behind now. Credit score drop with neg-Ams on all loans,plus behind on credit cards. Can anyone help me? (1) home I live in and 2 home rented out. Renter skip out and left me in the hold of 3 months on 1 home past do, other 2 are ok. trying to catch up with debit arrangements. Any advice?

Credit score help??? My credit score dropped 36 points in the last month, and I don't know why. All of my accounts are always paid in full and on time. I have not opened or applied for any new credit in the past 6 months. I ran my credit report in late September, and noticed some negative items on my report that were incorrect. I contacted the credit bureau to dispute these items, and they were all removed. The credit bureau sent me an updated report in late October showing that the negative items were removed, and in November, my credit score is now lower. Can requesting a copy of your own credit report lower your credit score by that much? I would really like any insight anyone can provide. I have been working very hard in the last 2 1/2 years since my divorce to rebuild my credit, and my score increased over 170 points in that time, and now it is going down and I don't know why. I have done nothing that I know of to make it go down. Please help!!!! I don't want to pay someone to clean up my credit. My credit is fine. I pay all my bills on time, all the time, and my score has been going up. I just want to know why, if I don't have any new negative information on my credit report, why would the credit score go down?

Credit Score - Help!? I am a newly wed and my husband and I both have some issues with our credit. Both of our credit scores are in the 500 range. I recently pulled our credit reports so that we can start paying off our debt and increase our scores so that we can have a better score for our future and progress towards things such as a house, car, etc.. My question is how do I know which accounts to pay off first. We have a game plan of how much we are going to put towards paying off our old debts each month, but don't know how to choose what to pay off first. Please help.

credit score issues please help? I had a 750 credit score, i went to buy a car and a ford dealership sent my app to 15 different companies that all ran my credit over a few days now my score is a 683 can i do anything to help or to get my score back up quickly???

So Confused about Credit Score please help? I recently paid off all my credit cards except 2 which I am keeping at low balances. I did a credit report from transunion.com and it listed my credit score as a 718 which i thought was great but then when I clicked more info it said a credit score of 718 was equivilent to a C grade and that I should expect to pay higher interest on loans. I'm 20 years old and have established credit (I went through a period of crazyness and jacked my credit card debt up to 8,000 bucks on multiple cards- I have never been late on payments and always paid more than the minimum) now that all the debt is paid off I think that I should have great credit....someone please help me understand!

Please someone help me, my credit score is ruined from fraud? Can someone please give me advice as to what I should do? Here's my problem: In August 2006 I tried this thing called 'WhiteOvernite' as a sample. I only paid shipping/handling and that was that. Over one year later (Oct 2007), I received a letter from a debt collector stating that I owe $176 for the product I used. I was stunned...what is going on? Recently I tried to get a loan for a used car and I was denied because of a 'delinquency' on my credit report. Sure enough when I checked it, there was $176 charged as delinquent. Please help me, I've had an impeccable credit score until now. This fraud has cost me my credit score, what should I do?? HELP 1) Yes I checked Experian. 2) I've already sent in a dispute to Experian and to the Attorney General's Office via email. 3) I used my credit card for the shipping, so I figured if they were to try and charge me they would have done it through my credit card. But instead they went straight to their debt collector.

Car loan help credit score? AMEX help credit score? Please HELP!? I have 10 revolving & 3 installment accounts listed, 0 mortgage & 0 other {no student loans, no car loans, etc}. All 13 of my accounts are in good standing. Only 4 of the accounts are open accts & 9 are closed… with 0 currently past due & 0 negative account history. I’ve had 5 inquiries in the last 12 months. I have 4 credit cards – 2 Visa’s, 1 Mastercard, 1 dept store...totaling to $6590 in avail credit. Im never above $3400 used (abt 50%) I was recently sent an approval for an AMEX green charge card. I have heard they are hard to get, & was considering getting it (only bc I thought it might ‘look’ good)... Wouldn’t charge much tho since it must be paid in full. My question: I’ve never had any long term debt (ie student loan, car loan, mortgage)… should I co-sign on my fiancé’s car loan that he just opened? Will that raise my credit score since its long term debt (& YES it will always be paid on time)? Plz help! Score is 720 now, want 770 in 1yr! Will the AMEX 'look' good? Ben - I dont have an issue w/ debt.. Millionster - Thanks for the information, hopefully someone will see this and it'll benefit them. I am already practicing those tips... I am able to pull my credit report daily w/ a small monthly fee, I pay everything on time, etc. But again, thanx for the pointers. *~*I am not going to take on the car loan. Now Im just really curious about the AMEX. Im closing out one of my Visa's soon (Its a CapOne card; I've had it since '04, but its a 'starter' card in my eyes...lower credit limit & I hardly use it). Any other pointers? THANX GC: He actually can get credit on his own... he already has the car & the loan. I was just considering co-signing to help MYSELF out... His credit is perfectly fine. THANKS EVERYONE!

does paying off credit card balance in full hurt or help credit score? I have my credit account set up to take the full amount of the the credit balance directly out of my checking on the 28th of each month. I have read many different things about building a good credit score. Does paying off the full amount of my credit balance at the end of each month help or hurt my credit score? (any other ways to build a good credit score for a person who just got their first credit card would be helpful too, thanks)

my credit score is 579.how is it that i cant get a lender to help me get a small house? that cost under,100,000.but i know of people who arnt legal who have one,the lender that i had told me to get a credit card all i need is 120 more points then he can help.he said with my credit like it is i should have no trouble geting one i tryed and they keep deniang me one,he also didnt tell me that for everytime i try to get one my credit score is getting worst.

Help finding an auto loan with low credit score? i have 601 as my credit score. i am 22 and had a couple credit cards go to collections which i eventually paid off,and is on my credit report as delinquent.charge off. i finished paying the last collected credit card off this past february. i now have one secured card and one unsecured credit card to help me re-establish credit. i just got qualified for another credit card to help add more credit history and more open accounts to my credit report. they are all minimum amounts of 300. i'm looking into getting an auto loan for a vehicle. my current vehicle is currently worth 3 grand. i need about 8 grand more. to pay off my student loan and receive the vehicle of my choice. i understand my interest rate will be high with my low credit score. are there any places that are legitimate that i could actually get qualified for an auto loan through? ive heard about credit unions and dont know much about their auto loans. do you have to be married to get an auto loan through them?

Can someone help me with my credit score? My credit score is very low due to the fact that my ex-husband used my name and SS number and then never paid for what he bought. I just didn't know that he was doing that as he opened all of the mail. Anyway, here I am with a credit score that is very low. I need to have a surgical procedure done. I can get financial help to pay for it, but my credit score is too low to qualify. Is there ANYTHING that I can do? I have a good job and have always been employed. I don't know how to raise my credit score. I was actually turned down for a Bank of America secured credit card even though my checking and savings accounts are there! What in the world can I do to fix this? If ther is anything, does it take a long time?

Does this help your credit score? If you get something in the mail to "settle" the money you owe a place, does settling help your credit score? I got something that if I pay 60 per cent of what I owe, they will consider the matter over. But when it comes to my credit report, will this help? I swear, a very long time ago someone told me it doesn't help because something bad still goes on your credit report so you may as well just owe them the money. I know that sounds dishonest but that was what I had heard. That if you accept a settlement offer, your credit score does not improve and it is the same as if you still owe them the money as far as your credit report goes. Which is true? Please help!!!!!!!!!!!!!!!!!!!!!!!!!! Thank you.

credit score below 520 and in need of a loan can any body help? i am in need of loan and my credit score is below 520 due to a divorce I am a single mom with 3 small kids I am looking for some lender that can help me I have no money to pay out and prosper my credit is to low can any body help. Thank you

Are their credit cards available to help increase low credit score? Many people need a credit card with a small limits of 1,000 or less who have credit scores around 500 or less. This will help weak credit individuals to make payments on time so that their credit score could increase.

Will paying off collections help my credit score? I am looking to secure financing on an unexpected piece of property which came available. Naturally, I will need a loan. If i obtain my credit reports, and pay off the closed account which are posted for collection, will that help my credit score enought to make a signifiacnt difference? I have no car loans, nor do I have credit card debt...But I have a very poor score due to unpaid medical and various collections hitherto unpaid. Please advise what to do to get my score up enought to qualify for (even a high interest loan) I have the income..but need a mortgage. Also, will any more than 20 % downplayment have any bearing with a poor score? I have NEVER declared bankruptcy, planning on always "sometime" paying all my debts to those I owe!

Will refinancing help credit score more now than later? We have an first arm that is fixed at 6.5% for the next year. with a payment of 555.00 month, 30yr term. A 2nd with 11% pay of 205.00 month with a balloon due in 20yrs. No escrow. We have less than perfect credit at this time, old stuff nothing in last 4 yrs. Currently being offered 8.9% for 40 yrs. with pay of 911 monthly. Loan guy says that in a year this will help credit score go up and qualify for better loan. My ? is why not wait for the next year while the pay is only 760. then get refinanced? Why waste money on a loan that will need to be refinanced anyway? He says this will help score. What to do?

Credit Questions What WIll help my FISCO Score? I have 3 credit cards 2 are active and one i have canceled. The canceled one has a reate of 8% ish with about $3,500 on it. One has a 10% rate with like $6000 on it and one has 12% with $4,000 on it. I want to get every thing under control. Do you think if i went to a bank and rolled it all into one loan with one payement and paid off my cards and still kept them open (to help my credit score) and never used them will this help my credit or keep it about the same?

Denied Credit due to no credit score help.....? I applied for an Amex for students. I have a checking account and I am a part time student and take in $8,000 - $19,000 a year. I was denied because they said they could not locate a credit score from equifax and the other major credit bureau. I am not sure what this means help please!!!!!

Does paying off collecion debt help increase my credit score? I have debt in the amount of $7000 that has been sent to collection agencies about three years ago. Two were credit cards, one a cell phone bill. I desperately need to improve my credit score. Will it help if I start paying this debt to the collection agaencies? I read somewhere that it does not matter whether you pay collection debt off or not since they stay in your credit file for seven years anyways. Is this true? How important is it? Also, what are other things I should do in order to improve my credit score at this point? At the moment I don't get approved for any credit due to my low score. Any suggestions really appreciated!!!

Will refinancing help my credit score? My score is less than 500, we would like to move in the next year? This is my situation, right now my rate is 7.something% fixed. My credit is horible, under 500. I was wondering if refinancing(we have someone that'll give us 9.99% for 2yrs,then refi or buy) will help out our credit score so that we could by a bigger better home within the next year or so. Please help, thanks

Can an secure credit card really help increase your credit score? I'm trying to rebuild my credit, I heard secure credit card can help increase your credit score, so I'm just wondering if anyone know which secure credit card is good that report to all three credit bereau?

First time renting with credit score of 592, college student, Help!!!? I'm going into my 2nd year of college since I'm done with my basics but I am transferring so I am looking into renting my first apartment, I was victim of identity theft before I turned 18 so now I'm having to rebuild my credit and its at 592 since I only have one credit card and one student loan which I've paid perfectly. Shows on my credit score perfect for over a year with good payment. Please Help!! Will this affect me from renting?? I'm looking into this one apartment and I've saved up enough to pay first months rent, deposit and last month of rent also and a little extra for bills for about 3 months. Any Help Greatly Appreciated! :-)

How to help your personal credit and credit score...? If my husband and I paid off our bad credit on our reports would this reflect on our credit score and report? Would this help to raise our score and would it be easier to get a loan?

I need some help understanding my credit score? when you pay things off your credit I know that they stay up there for 7 years, but by paying it off does it really help you?, cause everyone can still see that it's up there? and does it help my credit score out any when i pay these things off? HOW DO YOU GET POINTS ON YOUR CREDIT SCORE? THANKS

I am trying to raise my credit score.. Help? If in an attempt to raise my credit score, someone is willing to add me to their loans or credit cards to add good trades to my credit report...will this help me...and will it hurt their credit???Please give me supporting info

help in repairing my credit score? i need help in repairing my credit. i am 21 and i have several collection accounts and i do not think that all of them are actually mine. i also just recently got a voluntary repo but i know they still consider that the same as a regular repo. the repo was in april of 07. my credit score is in the low 400's. I need help to repair and do not know where to start

Will a 597 credit score help me become a police officer? Hey, I'm just wondering if a 597 credit score will help or affect the decision of a local police department in which I'm applying for??

Need Help Getting Credit Score Up? i just turned 18 a month ago and i want to establish a credit score. here is the problem.. i am currently unemployed but my brother wants to help me out. is it possible? and how long will it take before i can lease a new infiniti g35 or co-sign someone?

Does refinancing your car help your credit score or build your credit? I just refinance my car and lowered my interested and my monthly payment and I was just wondering, does refinancing your car help your credit score or build your credit?

Does having more than one credit card help your credit score? I have a credit card but recently got accepted for another card with a higher balance. If I keep both credit cards but only use one of them, will it help any with making my credit score higher?

Does refinancing your car help your credit score or build your credit? I just refinance my car and lowered my interested and my monthly payment and I was just wondering, does refinancing your car help your credit score or build your credit?

Will balance transfer help my credit score? I recently applied for a card and was approved that will give me 0% on balance transfers through 5/08. I have not used this card to make any purchases, and it has a $0 balance. The limit on the card is sufficient enough for me to transfer my other 3 card balances, have them paid off, and still not be maxed out on the card I am transferring to. My question is: Will it look better on the credit score if I have 3 cards near maxed out that have been established and one new one with a high limit and $0 balance, or have 3 established cards with a $0 balance and one new card with a near maxed out balance? That is my question going into the transfer, if it would help my score to have one card with a high balance and 3 with none...

Can cutting up three of my 8 credit cards help my credit score? I'm trying to boost my credit score and there are a veiw cards that i have that i no longer want can i cancel them and have the credit comapany bill me, and will that help my credit score? the cards or dillards, visa, and mastercard. Help!

Will this help my credit score? I have a verizon cell phone account I opened in 03 and had shut off later in 03..I still owe like 173$....They told me I can pay 100$ and do so in 4 payments of $25...when I do this will it help my credit score raise?

Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options?? I would like to somehow combine all of my credit cards into one or get a loan so that my payments would be less. I am currently paying a little over minimum payments because I cannot afford to pay anymore. What options do I have that won't affect my credit negatively. I don't have any late paymets, just two paid collections from 2004. My credit score is low because I am using so much of my available credit. Help please!!

How do i improve my credit score? **PLEASE HELP**? My husband has been running our credit like crazy and it has lowered our score quite a bit....and we need a new car...can someone help me out???

Does adding my boyfriend to my credit card help his credit score? I added my boyfriend as a co-owner to my credit card to help his "not so great" credit. I make all the payments on time and there is never a balance left on the card. Is this really helping his score? If so can anyone give me a clue as to how much it helps him...Thank you. I added my boyfriend as a co-owner (shared responsibility) to my credit card to help his "not so great" credit. Is this really helping his score? If so can anyone give me a clue as to how much it helps him...Thank you. (Just FYI, He doesn't have a card or access to spend anything. He is doing fine at keeping things ontime now.)

Can a prepaid master card help to build-up the credit score? I need to build-up my credit score. I realised the importance of it very late .And now it is hard to find some financial body who is interested to provide credit card to me . So I thought of buying the master card, the pre-paid one. As I received it I found it has not my name printed on it. Now , I am sceptical if it can really help me to build my credit score.Is there any card that I can buy to serve my purpose ?

Who do I go to to help me boost credit score? We are looking to sell then buy a home in the next year. We would like to get our score up as much as possible as we are hovering around 620. We will be moving for a new job so we want to get the score up as much as possible to offset that "negative". So, who would we meet with to help us make a plan to get our score higher? A mortgage broker? Directly with a mortgage lender? Credit counselor? I was told by our last mortgage lender that we fall in the subprime market so getting a loan is next to impossible right now. We are very worried but we have to move and we really do not want to rent or anything- we have to get another house. Any help is appreciated.

Will a paid in full Car Loan Help My Credit Score or do nothing for it?? I have 2 paid in full car loans on my credit. I havent checked my credit lately. I was wondering if it would help my credit score rating go up or does it not effect it at all??

how long does it take to get your first credit score HELP PLEASE? i had my first credit card since may or june how long does it take to get my credit score help please i need it to be at lease 700 so i can get my first apartment at least by march

I desparately need $7500.00 with a horrible credit score.. Nobody will help...Does anybody know anyone? With a horrible low credit score, I am unable to get any kind of loan except for payday loans at 600%... I'm in desparate need to pay those loans off and to pay off other debt at a normal interest rather than a "Guido's Garage Rate"....Need help desparately

do pre paid cerdit cards help the persons credit score? because since they are a pre paid method i dont think that they would help at all with increasing a persons credit score would they?

2/17/07 I went to see about getting a car, please help me about my credit score.? So on this past saturday the 17th I went to Quality Suzuki and saw a nice 2005 Dodge Neon, after being molested with offers I decided no because they never once gave me the price of the car, they always estimated it was 8000 "or so" so when they showed me the rough numbers it came out to 14000! after tt&l and of course I was like OMG. So he told me well these are just rough numbers, I can run your credit to see the exact payments etc... So i filled out a credit application, my 2 scores were 656 and 650, will my scores go down since I declined thier offer for the car? Also I found a better more affordable car at Red McCombs and I was thinking of filling out the credit appliction online just to see if how well I get financed. Will either of these hurt my score much if they are less than a week apart? I heard that I can check several places within 14 days without it showing as several but only 1 inquiry on my credit report. Please help me. Yes I do have a bank, its Frost Bank and Ive been with them since August of 2005, when i started college. I just didnt know the situation about running credit app. with lowering points. So I should get pre-approved for a loan from my bank first? Should I wait for my next credit score update? The one he gave me was slightly incorrect because that friday night before I had paid my credit card 650$ so maybe my score would be higher if I check it in a couple of weeks? Also I am getting my laptop put in my name this week (my father took it out for me) and It will be on my next credit report when they check it, so should I just wait a couple of weeks till the adjustments go on my credit report/score? Well Ive found a nice 2002 Kia Spectre for 4595 at RedMccombs.com and well I have 2000 to put down on it and I can afford at the most 250 a month but I really want 200 or less a month. I can pay off this car in less than 2 years, because next imcome tax i will put down another 2000. So what should be my next move? get that preapprove loan for what 5000? Or should i wait till my credit report is updated with so many changes? Also this Kia has 65000 miles which is good based on 15k a year.

Is there any effective service that can help to boost up my credit score with a short period? Your answers are appreciated greatly. I just need 30 or more points on my score to meet home refinance requirment as soon as possible. I never had any kind of late payments nor collection type. According to the banker, I just had too many accounts opened.... Please help. Many thanks in advance:)

Would taking out a loan and paying it off immediatly help my credit score? Please read? I am attending a community college, and I have enough money saved up that I do not NEED to take out a loan. However, I am trying to build up my credit score so that I can take out a larger loan later when I transfer to a 20k/year university. Would taking out a of about 3k, and paying it off immediatly help my credit score? Or possibly taking out a loan and making payments on it? What is the best way to go about this? Thank you very much for your help!

How should I get a mortgage loan with low credit score? Ok here is my situation. I am trying to get the no income verification loan to buy my first house. I have 10% of the price of the house to pay for down payment. About my credit: I have everything paid off in full. All debts are paid off in full. but this was recently so my credit score didn't go up yet it still at 515. Now my question: Can I get a no income verification loan with my credit score this low? Also How long does it take to update my credit score?

Can someone help me on serious situation with my credit score? Okay, I'm 21 years old and I live in apartment with my good friend. Ever since I was about 16, I've been independent with everything that involves financial issues. I pay for everything but I am working a job that pays 400 a week. I am currently 2500 in debt with 1400 in my bank account. I recently checked my credit score and it was 551 and its not getting any higher. What can I do to help rebound back to the way my life once was? Alot of the debt is in collections but its hard to reach them to work out a payment plan. Any options and do I have any hope for my future?

I just paid off 2 credit cards. Do I leave them open or close them immediately to help my credit score? I wouldn't be putting anything on them. I was just told it can help your credit score to keep them open for a while and not put anything on them. I just wanted to make sure this was good advice, because I hear so much about people closing their accounts.

can u help me out with this credit score question? i went through a divorce and my credit report got a little messy. i had several collection accounts.. my fico credit score dropped to 580. i recently paid off all my collection accounts and paid off my three major credit cards. my question is how quickly will my credit score start going up...

what happens with my credit score while working with consumer credit counsellor? I had a good credit score and ran into problems and now my score has dropped. while working with CCC, will my score go up while they are negotiating and making payments to my creditors?

Does paying your auto insurance bill on time help out your credit score? Does paying your car insurance bill on time help out your credit score?

new car /with no credit score? i am a 26 year old guy with no credit score and i have 7 collections on my credit and i am trying to but a new car wi $2,500 dollars down can i get a new ccar without a co-signer i am paying off stuff on my credit

I just bought my first home. Does this help my credit score right away? My credit cards are maxxed and want a consolidating loan to pay all off any chance with starting score of 614 after buying a home. Just mailed first mortgage payment.

Where can I get help with my bills and possibly get a loan when my credit score is so bad? Right now I owe about $3500.00 in credit and utility bills and i need to start paying them off. I make about 700 a week and would like to get a loan to clear this up and start my life over. I have looked around and right now my credit score is in a "Delinquency Status" making it impossible for me to get help anywhere. Please help!

If you pay off bills that have already been put on your credit report does it really help your credit score?? Say for example I have 12 unpaid accounts on my credit report. If I called and paid off six of them today would that help my score go up when they reported that I had paid these old accounts off. Some of them have been on my report for a couple of years already.

credit score-help? I have 5 things on my credit report 2 current mortgages. 1 old mortgage paid off 1 credit card high balance 1 credit card paid in full. I've was 30 days late on one of my mortgage once. of course that dropped my score. My credit score is low. When can I expect to see a change in my credit score. To my surprise I applied for a loan an was denied.

My credit score is 711 at Exprian and no score for Equifax and Transunion, and I need a credit card, HELP? I need to establish myself. I live in Oklahoma City and intend to do some traveling. Experian gives me a score of 711 and 2 months history, but I have no Score from Transunion or Equifax, I don't want to bog down my score with inquiries. So can some one suggest a credit card company (that pulls from Experian preferbly) with instant approval, that will give my a unsecured, no sign up fee credit card? Thanks

credit score help? hi. i have a bank of america visa credit card and have a credit limit of only $2500. i have other cards from other bank and they have minimum 6000 and maximum 50000 credit limit. i am planning to request a credit limit increase in the $2500 visa card from bank of america mentioned above. will the request hurt my credit score or my credit history? or will it be bad in other way. thank you