Can I get apporved from anyone for financing or credit with a credit score of 527? How bad is this score?
144400
Your credit score is low, but not THAT low. Yes, you can get credit. However, you will pay 2 to 3% above the normal rate.
803026
A 657 credit score won't disqualify you from getting a new car loan, unless you've recently (in the past few years) have defaulted on another car loan.\n\nYou won't qualify for the best interest rates but you should be able to find a lender willing to take you on.  Shop around and beware dealers who offer you financing and after you've taken the car home tell you that you didn't actually qualify at that rate but they can get you the loan at a higher rate.
1072401
I thought the others were giving pretty good advice until I saw umdanddvd's response and clicked on his link that he offers. It seems like a paradise of Bad credit, loans, credit cards, mortgages, etc. In other words a place for people with bad or no credit to go and get approved easily for these types of loans. \nI would be very cautious when it comes to applying for so called "No credit check" or "Bad credit" loans. Any reputable lender such as the larger banks, would not lend so easily to someone that is considered a high credit risk like yourself. The ones that do, and do it without credit checks, usually do so with a price. You may have to pay annual fees, abusively high interest rates, etc. \nAs a former financial counselor, my advice is to go to your local bank, where you have your checking account for example and see if they have secured credit cards available to customers. This is part credit card part debit card. Basically you have an account tied to it where you make deposits like a debit card, but use it like a credit card. But isn't that a debit card you ask? Well technically it is, except it shows up on your credit report like a credit card. Therefore it's a good way to rebuild credit. It's great for students too, who have little or no credit. \nBut as with anything else there's the good the bad and the ugly. Make sure you shop around to try to get an account with the least amount of annual fees, etc. You can go to Bankrate.com for a list of secured credit issuers: http://www.bankrate.com/brm/rate/cc_ratehome.asp?web=brm&state=US&prodtype=cc&R1=1&card_type=Secured&card_class=All&max_recs=50 Good luck with your search! And good luck with your situation. Also check out the source link for Do's and Don'ts with secured credit cards.
1131527
that is fine\nclick on my pic to go to my profile\nthere is a company that grants personal loans to people with bad credit even bankruptcy
235482
Yes, there are lenders that will Finance one day after 7 as well as 13... As always there are many other factors, if 13 they want a payment history as well as your current credit score... My advice would be to get a Secure credit card from a local bank as this will start to rebuild your credit and never owe more then 30% of you limit so it you take a 300USD line then have a balance not to excede $100
189608
Again bad advice. \n\nYou may get 100% financing at a 550 FICO score but I highly doubt you will like the terms. You will be "sub prime" which means a high interest rate (7%+) and possibly pre-payment penalties.\n\nYou will need a score of at least 620 to get into normal rates and even then it will be "full doc" meaning you will have to show 12 months of on time payments(rent,mortgage) and possibly explain any negative items.\n\nHopefully you have copies of all 3 of your credit reports and have reviewed them for accuracy. If not go to www.annualcreditreport.com to get all 3 for free.\n\nIf you are seriously considering buying a home with 100% financing then go to www.myfico.com and learn about FICO credit scoring. \n\nWhen you feel your credit reports are in as good a shape as they can be and you understand FICO credit scoring you can go to www.bankrate.com and put in your criteria and your area and get a list of lenders that offer mortgages for your situation.\n\nIf I were you I would also spend the $45.00 to get all 3 of your FICO credit scores at www.myfico.com/12.\n\nGood Luck
39740
It really depends on what the situation with your credit is.  If you've had a bankruptcy, it must be discharged.  Some lenders will work with you 1 day out of bankruptcy.  You can probably get 100% financing with a 540 credit score if you're working with the right people.  If you have judgements or collections accounts on your report those have to either be paid or you can dispute them if theres incorrect information on your credit report.  If you have a strong rental history (like no late payments in the last 12 months) that can be a positive thing for a lender to look at.  Whoever you work with should know or know how to get information on 1st time homebuyer programs in your area.
1004029
yes, you can get financing.  The costs involved, the interest rate, and the terms would need to be carefully investigated.  Be careful, there are lots of people out there who prey on the credit challenged.  You DO have choices.  Call me at 1-800 971-4638 extension 223, I'll try and steer you in the right direction.  I've been a mortgage lender for more than 20 years.  I just got a woman with a 577 credit score a FNMA loan.  So it is possible.
182778
In my experiance the dealerships have always had the best deals for financing. It all depends on your past credit, but more on how much you make and what other bills you have too. If your total of monthly bills goes over a certain percent then you have to many and the banks wont want to give you the loan. I wouldnt deal with online banks, just for the fact that you can never see the people or walk into the place. It will probably result in a lot of phone calls and you'll be lucky to get a real person on the line. When I went to buy my last car. I checked out a Chevy dealer on a car for 13 grand, and they wouldnt finance me. My local bank would give me 12 grand at the most. So I went to the Honda Dealer and they hooked me up with a $17,000 Accord. I didnt even need a down payment and the job I had at that time paid me like $700 a month. I got lucky I guess. My car payment is $320, I do have a much better paying job now of course. If I were you, I would try a local place in Texas or maybe a few different banks. Dealerships should be your best bet. Cars from Iowa are more likely to get rust, because we salt the roads heavily this time of year. I would love to get ahold of a car from Texas. Hope this helped.
1011838
Unfortunately not. There are many factors that make up your score. The biggest percent is how you pay your bills (timely or not). A few other factors include, the debt to available credit ratio, how long you have had credit, how many accounts you have open, etc. If you go to annualcreditreport. com, you can purchase the score for 5.00. That is the cheapest I have found.
1046872
As long as you do it all on the same day, no. If you do it all on different days, then yes, you're score will drop slightly. \n\nI'd recommend you go to your bank or credit union first. Don't rely on the dealer unless they have some great financing terms.\n\nIf you still can't get the rate or credit report you want I'd choose either Equifax or Experion.
351154
Where are you getting your "credit score"?\n\nIf you are buying it from Experian or Transunion then you are not getting a real FICO score.\n\nThe only place you can get a real FICO score, the ones lenders use, is at www.myfico.com. You can get all 3 for $44.85 at www.myfico.com/12 and it will also give you the top 4 reasons as to why your credit scores aren't higher.\n\nYour credit score changes whenever the information in your report changes.\n\nFYI, if you are comparing it to a FICO score generated by a car dealer it could be because the dealer is using an "Auto Enhanced" FICO score which gives higher scores if you have handled current and past auto loans/leases well and lower scores if you haven't.\n\nGood Luck
1158083
That's not a good FICO score, but (American) auto manufacturers are getting very desperate.  Who knows... someone at "the big 3" dealers may go for it.  Watch out for extreme interest rates though!
907187
My credit limit is $300..I don't think they ever turn anybody down since they guarantee you even if you have bad credit..Interest rate is high...DON'T miss a payment or go over the limit.. Depending on your income, you may get more or less than 300.00.. I went online, set up my account and set the payments up to come out of my account and then I know that my payments are always on time (wonderful thing).. They will (though you have to set that up) send you e-mail reminders to pay your bill and receipts for your payment
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.
220300
good idea , but be careful, 540 does not appear too good to go for financing others moreover you may not have proper appraisal techniques and real data about the entity who may  like to have your cash , you may lend into difficult situation , \n\nhowever ,for detailed examination you may discuss and disclose to your financial advisor or Bank in strictest confidentiality.
466658
Find out exactly what your credit scores are from all three bureaus and exactly what is on them, both good and bad.\n\nIf your score is above 580, you have a good chance of getting approved with no money down.\n\nIf you have at least 3 tradelines (bills showing up on your credit report) that you pay, on time, every month for at least a year, you stand an even better chance.\n\nIf you don't make enough money to qualify on your own, your friend will also have to be on the loan.  The lender will usually use the score of whoever makes the most money.  If your friend has credit issues too, they will need to be taken care of just like yours.\n\nTalk to a mortgage loan officer you trust.  Talk to several.  If you're in Ohio, talk to me, I'd be glad to help.\n\nA good loan officer will tell you what things you need to do to qualify and will guide you through the process.\n\nGood luck,\n\nLeah