Are they as easy as they seem with a decent credit score?
123939
"no-doc" means  no documentation. If it is a true "no-doc" loan, the lender will not verify income, assets(you still need money down),  or employment. You need pretty good credit for these programs and there is usually an adjustment to the rate.
245201
Yes credit cards are risky. But if you know how to manage your money, and not overspend, then they're not as risky. Also be sure you never lose it if you get one.
332744
If you show you can handle different types of credit at the same time, you are rewarded with a great credit score. In other words, get installment loans like vehicle, personal loan or mortgage. Get revolving credit like credit cards: Visa, Mastercard, Sears, Sunoco Gas, Costco. By mixing it up, you demonstrate you can manage your credit because you will have short term and long term credit with a fixed payment. As well as a "variable" monthly payment on your credit cards.\n\nKeep these accounts open with a balance of 70% or less and paid on time and you will witness your credit score climb to great heights.
502863
I am ever so slowly working on repairing mine. I went from having bad credit to no credit and now I have recieved offers from about 4 different places (two of which are department stores, the other two are regular credit cards), so I am just at the bottom, but I am going the right way! (My bad credit was caused by my getting married too young and having an ex who got me to sign checks that we knew would bounce...I'm just damn lucky I didn't end up in jail!) But I don't know how good your credit score has to be to get one of those home loans. I'm not to that point yet. My personal near future worry is paying off student loans since I will be finishing up a masters degree, so I won't be able to think about a house for a while yet. But it sounds like you (and me) are going the right direction! Good Luck!
304804
From my professional experience there is not really a "best rate". Most of the brokers and loan officers shop the same banks, just happens in some cases that one of them might get a better deal out there. Maybe he or she has a better pricing from bank..etc.. What I am trying to say is that by submitting applications online will couse your credit score to decline if each loan officer will pull your credit. I would suggest looking up lenders in your area rather than having your personal information scatterd all over the web. Each loan situation is different and I would suggest working with one loan officer in your area.
100001
Here's some more good advice from Credit Guru...(my hero!)\n\nThere are no places that offer free credit scores.  You will have to pay for them.\n\nThe sad part is that each of the credit reporting agencies have slightly differant systems of calculating them.  \n\nIf you go to the site that developed the FICO scoring system, they have a calculator that will estimate what your score is.  It's free but won't be totally accurate.\n\nOr, at the same site and for $49.95, you can get the credit score for all three agencies.  \n\nThe nice thing about this site is not only will you get your credit score, but it will also show you the reasons it's low and how you can improve it.  I guess that's worth the high price tag.\n\nGo to the site, read up, and make a more educated decision of what you want to do.
637674
I happen to disagree with many of the above comments.  Scores of 620-650 are considered average, scores above 650 are considered high scores. \n\nThe biggest contributors to your score are:  Paying on time,  Account balances compared to max credit available, Credit length, and type of credit.  The rough percentages are below:\n\nPayment History 35% of your score\nOutstanding Balances 30% of your score\nLenght of Credit History 15% of your score\nType of credit 10% of your score\nInquiries 10% of your score\n\nUsually the number of open accounts does not have an major impact on your credit.  I have actually seen the opposite occur that when you start closing accounts your credit actually drops due to various things such as now you account balances start to get to close to your max available credit, etc.\n\nPay your bills ALWAYS on time.  Pay credit cards down or close to zero every month.\n\nMake sure your balances relative to your max credit is low, somewhere in the 10-20%.  IE if you have a $5,000 limit do not put more then $1000 on the card in a month, and be sure you have funds to pay that down to almost zero when the bill comes.\n\nLenght of credit... If you find it necessary to close any accounts DO NOT CLOSE the ones you have had forever.  Keep those ones open.  Close recently opened credit IF YOU MUST.  The longer you have an account in good standing open the better.  A good length to have a card open is 15 years.  You will be doing good if once you hit that mark.\n\nType of credit... make sure you have a variety of cards, such as gas cards, department store cards, bank issued visa and mastercards, etc.\n\nIf you have a lot of recent inquiries it can lower you credit score as it makes you look desperate for credit.  Try to make sure to not open new accounts within a year or so of eachother.\n\nI have suggestions to help you increase your credit score... Do you own a home?  If not a mortgage will help to increase your credit score... Open auto loan...?   A paid of or open auto loan will increase your credit score... Pretty much and LONG TERM and Large amount loans will have a great impact on your credit score.... If you can show that you have made a 2K house payment for the past 10 years.... You have shown your ability to pay, which will be reflected by your credit score.\n\nDo a voluntary inquiry into your credit.  This does not have a negative effect on your score... You can get it free from www.annualcreditreport.com or you can pay www.myfico.com or other similar site to get your credit score and view your credit report.  Be sure that all the information on your credit report is valid and dispute anything you see as odd.\n\nGet your credit score from all 3 credit bureaus... Equifax, Transunion, and Experian.  Each one scores you differently... You can have a large range of credit scores between the 3... Say for example 720 with transunion, 690 with Equifax, and  708 with Experian.  So it is worth it to see the overall picture.   Please note that when you request your credit report from the bureaus you often do not get your FICO score.  You may have to use www.myfico.com to get those.\n\nMy hand hurts from typing :)  so if you need more help or advise please let me know or email me.  I would be glad to help you in anyway that I can.\n\nHope I was of some help.
205954
Credit cards are easy to get.  TOO easy if you ask me.  You can apply online, call the company, or apply through your bank.  BE CAREFUL though because they will give you a card and a maximum limit and it is so easy to just start spending.  I have a friend who racked up credit cards when she was 17 and 18 and she barely, barely paid them off (she is 27).  They are not your friends.  Make a habit of only spending what you make and having one to only use in emergencies like unexpected car repair.  Good luck and God bless.
282141
Pay your bills on time.  Yes, it's obvious, but there are no hidden secrets to improving your credit score.
8477
I can speak from experience here.  I do not have a very high score I think it is in the low 600's.  I think the main reason is that people are still able to get credit while having a score this low.  You may have to pay a higher interest rate but you can still get a car and a house.  I know I have a mortgage and I just refinanced for a slightly lower fixed rate at 4.5% interest.  I don't think that is too bad for someone with below average credit.  We all should care more about our credit. We just have champagne taste on a Boone's Farm budget.
92000
As far as I know if one of your credit rating is good, then it wont matter if the other's is bad - I think its like some loans.  Co-signer w/ good credit = :D
437598
To get a good credit score you need to have credit. One good way to get a higher rating is to have a revolving credit card, or if you buy something on installment, make your payment every month and never be late. A few months before the installment note is due, pay it all off. Don't get credit cards where you must pay an annual fee in order to have the priviledge of charging with them. If you have a really bad credit card, close it, but don't open and close too many cards. If you have credit cards, put them away and don't use them. If you open and close credit cards it can adversely affect your credit rating. Do not take out credit cards with department stores, even if they offer discounts on your purchases. In fact, they will lower your credit rating. If you have them, close them, If you want to charge in a store it's better to use a regular credit card such as Mastercard or Visa. Be careful when you apply for loans because every time you apply for a loan the lender checks your credit rating. If you have too many inquiries, that can lower your credit score. If you are about to purchase a vehicle or even a home, shop around for the best interest. If you check with numerous lenders that check your credit rating, it won't lower your score because it will show that you are shopping for a particular purchase and it is good to look for the best interest rate. Once you have credit cards, it's best to keep them open, believe it or not, because if you go for a loan the lender will see that other lenders consider you a good risk. (Maybe it's because they know that if you decide to max out your credit cards and leave the country, there will be a lot of other lenders hunting you down besides them!) If you are just starting out and don't have much of a credit history, go to the bank you bank at and ask for a credit card. They will likely give you one with a low credit limit, such as $200.00. Charge on that card and pay the monthly payment on time. Before long you will have a history of whether you are a good credit risk. If you go to annualcreditreport.org you can get a free credit report once a year. They have information on their web site that will tell you  how to improve your credit rating. Put the credit cards that you already have away in a safe place. Just don't open and close them and open new ones. Use credit cards, but always pay them on time, or at the end of the month to avoid paying interest. Good luck.
16500
You have a good score. I would say apply for the loan, and transfer the balances to a credit card offering a (0% apr) -- citibank offers 0% introductory apr's for 1 year --- with no transaction charges.\n\nAnother thing to remember is that its not just enough to have a good score. lenders also look at what your largest loan was -- A history of taking and repaying large loans helps improve your credit also. I was rejected by Honda car financing when I applied for a $13,000 loan eventhough My score was 750+. They said that my largest loan was $2000, so they didnt think I was a good risk becasue I did not have any history with larger loans.
642283
its fine. as long as you pay them regularly (i pay mine in full everytime so that i dont have to pay interest), you'll have perfectly fine credit, whether you have 2 or 200.
644712
I would not worry about it.  All a credit score does is say how in debt you are.  People with good credit scores are just as bad off as people with bad scores.  My goal is to have no record on file, this will mean that I wont owe anyone.
533297
Yes but it may take sometime to repair the damage done.  Just stay current on your bills and your credit score will rise.  Alot of people do not realize that credit is easy to build.  1) Stay current on the bills you do have.  2) Get at least one no more than 3 secured credit cards.  They will show you are managing credit if managed properly.  3) Do not close your older accounts the age of the accounts really help your score.  4) Dispute any negative especially old negative accounts.  Do this only once per account becuase the Credit Bureaus do keep track of disputes.  Hope this helps and God Bless.
425485
it depends really, I don't really know what this keyworkers scheme is\n\n\nbut having a loan and managing the payments looks good on your credit reports\n\nIt all depends really on your monthly wages, how much mortgage you wish you take out over what term and if you can afford the repayments of that including your bank loan\n\nwe got a mortgage with an outstanding bank loan with a major mortgage lender(who still send us letters asking if we want a loan lol)\n\nI think the most important thing is proving that you're good at keeping payments up to date and being able to afford them\n\nhence why people who have never had any credit, often get refused because there's nothing to go on