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[2 Oct 2022 | No Comment | 1,930 views]
Getting a Mortgage with a 600 Credit Score

Understand that a 600 credit score will not bring you reasonable mortgage offers. While you may have an option or two, you will not find a choice that mirrors the home loan rates you read about. You might find a lender willing to offer you a mortgage if you can strongly defend the circumstances that caused your depressed credit score. Your best option, in these circumstances, is an FHA loan.

Fico Scores »

[2 Oct 2022 | No Comment | 1,756 views]
Chase Bank Offering Customers Free FICO Scores in 2015

Following the lead of Discover, Barclay’s and Citibank, Chase Bank will begin offering some of its customers their free FICO Score. This access will help consumers determine where they stand before they apply for credit, apartments, cell phones and more. Here’s what you need to know about FICO Scores and how to access them for free.

Free Credit Report »

[1 Oct 2022 | No Comment | 4,717 views]
Free Access to Credit Scores Act

Free Access to Credit Scores Act — Consumers already have the ability to request their free credit report once a year, but a credit report does not include your credit score. These two items are often confused to be the same, which they are not. You generally must pay to see your credit score — it’s a three-digit grade that predicts how risky you are to a lender.

Rebuilding Credit »

[1 Oct 2022 | No Comment | 2,127 views]
Can I File Bankruptcy on Credit Cards Only?

You can file bankruptcy on just credit cards — you must list all of your credit cards and all of your debts when you file bankruptcy. Some people have gotten the wrong idea that bankruptcy help is no longer available for credit cards, medical bills or other categories of bills. The credit card industry spent millions of dollars promoting an anti-debtor message, which resulted in the passage of the pro-creditor bankruptcy amendments, BAPCPA — the myth grew with all the media stories about the law changes.

Fico Scores »

[30 Sep 2022 | One Comment | 27,122 views]
Fix Your Credit FICO Score in a Hurry With a Rapid Rescore

A few credit score points can mean the difference between a good mortgage rate, a lousy one or getting a loan at all. But take heart — If errors are dragging down your score, you can get them fixed, just in time for your much-anticipated closing.