Simple question. I want to buy a house in January in California and I see that the rate today is 6.103% for a 30 year fixed mortgage. What FICO score correlates to those rates? My wife and I each had FICO scores of 719 and 721 six months ago. We have [...]

I am getting pretty deep into debt slowly. I have a charged off car payment that I have to pay off, a credit card bill, an ancient cell phone bill, and a student loan. The student loan is really being defered right now but everything else is outstanding. It probably totals 00 mainly because of [...]

I financed a 2001 Ford Focus for ,000. I owe about ,300 on it right now. I have a one year ancient and I’m not going to be abel to work anymore, so I’m not going to be able to afford the car loan. What options do I have? I thought of trying to sell [...]

I was just wondering if anyone knew anything about this or where I can go for information. We are late on our car payment…..we owe for April and they are saying that they can come and get the car tomorrow since we have another coming up due. Can they do this…legally?

I make 48k per year. Circumstances that have led to terrible credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max but always paid on time. Please only respond with a list of [...]

They tacked on an additional @00 onto my loan and since that time my car payment went from 0 a month to 0 a month. Before this happened, my credit was excellent, and since after that time my credit changed drastically. I’ve been told that this may be illegal. If anyone has info, please let [...]

Last June, I tried to finance a Honda Accord but I needed a co-signer, my boyfriend cosigned for me, but the dealership said they found a better loan rate without me on the loan. So for the past year I have been paying for the loan & insurance, totaling about 11.44 as of today. On [...]

I’ve been paying my car payment on time for 12 months in a row now and my car loan still shows as a negative on my credit. How many "on time" payments do I need to make before that shows as a positive on my credit? Or does it ever?
Thanks!

We have equity in our home and are considering a refinance to take out some of the equity for home improvement/repairs and to buy a vehicle end of lease. Credit scores are not fantastic, 500-550ish. We have the option to either A) Do a 50-year fixed mortgage or B) Do a 2-year ARM and then [...]

My credit is not that excellent its really poor. I am only ,000 in debt but want to consolidate both my credit cards and car payment. I want to have a reputable company and one that creditable also. Thank you