how do i buy ahouse with my bad credit?
145775
some people are approved, some aren't, but you'll have to talk to a realtor and your bank for this personal matter.
1089932
Of course, this is exactly WHY you shouldn't allow yourself to GET bad credit.  It is extremely costly, because it forces you to lose out on good opportunities like this.  There's a very high likelihood that you WON'T be able to get credit anywhere.  \n\nHere's what I would consider.  Try some of the high risk credit card lenders.  See if you can get a home-equity line for your home.  You might also be able to depend on 'trade credit' for part of it (foods, etc.), but you'll still need enough to equip the place, and frankly, your choices are very limited due to your past record.  I hope you can find something.  Otherwise, you'll just have to wait 7 years until your credit clears up.\n\nBest of luck to you.
984173
Sounds like a prepaid credit card may be the way for you to go... \n\nHere is a link to one that says "No credit or bad credit OK, NO credit check required, No employment required"\n\nhttp://www.fastcreditcardoffer.com/credit-card-search/credit-rating/bad-credit-no-credit/default.aspx\n\nGood luck.\n\n.
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
173995
you can repair your credit yourself.  The best way is to pay off creditors.  You can offer a settlement for half or less which in many cases they will accept.  Make sure you get every thing in writing before you send money and only pay them off if they delete the credit completely.  If they do not agree then don't pay them and tell them so.  You need at least a 550 credit rating to buy a car 700 or better to buy a house or a motorcycle.
742910
It is possible to acquire property with bad credit.  Contact your local lender and see what kinds of programs they have for people in your situation.  The only drawback for having bad credit is that the interest rate will be higher than normal.
358219
www.naca.com\n\nThey are a non-profit organization that helps people in your situation.  They will work with you to improve your credit and get financially stable (though your own hard work, mind you!).  They do their own lending.  So when you are ready to buy, you work with a NACA approved realtor and NACA funds the deal.  You don't need a big downpayment and their rates are usually a little less than a bank would charge you.  \n\nThey got their money through a settlement against Fleet Bank for predatory lending.  Their whole focus is on helping people get their foot in the door of owning their home because it's one of the biggest ways to stabilize yourself and get financially secure.  Good luck, hope the info helps!
352118
try Capital One. but alot of credit card companies will try to work with bad credit just the intrest wont be that low. if that doesnt work try a secure credit card.
114665
Land loans are difficult to get to begin with.   The best way to do it with bad credit is hard money.  You will need a 50-60% down payment.
195494
The FantasyLand Bank would love to give you the financing you need. \n\nUntil that day comes, you need a tangible score of 580 to go no $ down, full doc.
58731
First you have to re-establish your credit and save for a down payment. Read the site below to see how to get started.
31547
If you have bad credit, no one is going to be willing to give you an unsecured loan.  If they did, you would only be digging yourself deeper into debt.  \nMy suggestion is to order your credit reports and dispute anything that is old, payoff anything that has a high balance in respect to credit limit.  Use your tax retun money and create a strategy to pay off your balances.
654212
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
652932
You would need to have a secured loan.  Secure with some sort of item so that the lender could get their money if you default.\n\nIf you're looking for a credit card, there are cards out there that you give them $500, and then you have a $500 limit.  It helps you build credit.
1108184
pay off your creditors now...if you just establish a payment plan with them, as u say your credit is poor...it well remain poor...after there payed off...then buy something on time and never be late on a payment...then you well establish AAA credit...
1028289
Try American General Finance or Try a Credit Union. I got a loan with a 470 score.