My boyfriend has a credit score of 701 and mine is 549..will we have a problem getting an apartment together? He just financed a car as well..

I don’t have good credit. My score is 549. My boyfriends credit score is 686 and he just financed a car. We are looking to move into an apartment together. Will we have any issues with this??

Thanks

My credit score went down when I lost my job; I got in a bind and need to take out a small loan. I am currently employed but keep getting denied because of my credit score. There was an Indian lending company commercial on TV, but I forgot the name…. Any suggestions?

I’m going through a very difficult financial time in my life because my job of 13 years went bankrupt and I live in the state with the highest unemployment rate and my gf has at least a 750 credit score and 3 credit cards which 2 has zero balance on them of ,500 each and she gives 0 a month to her own church and she does not even go to any more. I asked her for a small loan of 0 and I’m making small payments back to her, last week I got a decent check and give her 0 but this week I got hurt and didn’t work as much and got a small check so I’m like short on bills and may go into overdraft on Friday if I don’t have the money and she will not give it to me for some reason. So I’m pissed at not just her but the whole situation of not having my own money but she keeps talking about going on trips and taking me to meet her parents and all this stuff but she can’t help me out with ?? I didn’t have to give her that 0 last week but I did.

son has credit score of 520 He was 18 and left an apartment 3 mo early cause of mold but still got a judgment which was paid.Spent a yr in Irag.He’s 23 now with wife and 2 children.Want to buy a new single wide.Have lot to set it on.Can we put our paid house up for security or would it be better to do a home equity loan.He has grown up now and is responsible.Our home is worth a lot more than 3 single wides.Who would finance a single wide or would it be better to get a secure loan from the bank at a lower rate.Would a secure loan give us a better interest
why don’t u people read the question please I said the judgment was paid and my home is paid for yikes

I’m a pretty positive and ambitious person. I go into situations expecting the best, but most of it ends in tribulations. Seriously.

I was molested as a baby..yes a baby and later on 3 different guys. At home, school and church. One of them was arrested last year for raping and killing a teenager last year. I told my family but they wanted me to keep this a secret. It get’s weirder..but I digress.

My mom started spreading rumors about me after living with her for only a few months. This was my first time living with her at age 17. She kicked me out two days before my bday 12/17/2000 (winter in NY, yay) and tried to make me homeless by asking ppl not to let me stay with with them. I only talk to her now because of my sister..but i truly do hate my mother.

I used to be an only child..my dad decided to have kids when I was 21. So as selfish as it is I feel abandoned – my mom has replaced me with my sister and my dad with his kids. I was the love of his life. Now we hardly even talk.

I’ve been used and now I have about 30K cc debt. Because someone lied to me about their life and background and used me. So now i’m left with 90k total in debt (mortgage). I’m now 28 and was debt free until I met this U.S. Soldier. ugh!

I bought my own place at the age of 22. I’ve had to change states and within the last 2 yrs I have gone through 3 tenants. 1. was arrested for stealing from his job. 2. There was a fire which meant my tenant had to move 3. The other person just disappeared. Each time i’ve managed to get back on my feet…but this time it’s been 7 months since i’ve been paying rent and mortgage. I can’t sell because now my property value has tremendously decreased.

Funny thing is I don’t have any blemishes on my credit score. Except for high debt, but I’ve never been late on a bill. Other people also think that i’m happy but i’m not. I was suicidal before but as I got older, I’ve pushed through a lot of things. I know LIFE could be worst.

I just want to know how to cope when nothing goes right. Which obviously is everything. My life is actually worse than I mentioned.. I don’t believe in God, my reasons are obvious.

Any advice would be helpful.
Sorry about my errors.

help the patient with their living expenses? I have heard that Salvation Army or Red Cross may help with utilities while one is not able to work, but not sure about mortgage payments?

I was diagnosed with a brain tumor (non-cancerous) 4 years ago, and doc told me yesterday that it is time to remove the tumor as it keeps getting bigger and causing my brain to swell, and told me that he has my surgery scheduled for 2/24/10….that is coming up quick! I have health insurance and short term disability with my job, however at my job when out on short term disability you only get paid 60% of your regular salary, I know because I was out 2 weeks in August for female surgery.

The problem is, I am on the cusp of bankruptcy, I owe another 0 to my attorney and then he will file my case…..I have been chipping away at this 75 since this past summer. I drive an 11 year old car and I live in a mobile home, so there definately no extravgances here. I am paying my mortgage about 30 days behind and at one point at the end of the year got I 2 months behind and had to come up with 00 in 1 month time to cure the default. Needless to say, there was no Christmas, but there also was not much left even for food…..I was able to get a food handout from a local church but it wasn’t much. My thinking is that if I am already struggling while working full time, how will I ever be able to make it when I am off work for 1 whole month at only 60% of my wages?

I hate being in this position, but medical bills and being left by my fiancee early last year, put me in a financial downward spiral…..I have had to pay everything on my own and I would venture to say I probably have a credit score of -100. I have even started renting out rooms in my house, yet it still isn’t enough.

Is there ANYWHRE, where I could get help with my mortgage, electric and maybe some food? I do have bank statements/paystubs and etc to backup my case, but where would I go to get help without having to go through a lot of red tape, as I don’t have a lot of time? I am not on any public assistance programs and never have been as I have always made too much $, so I really do not know where to even begin?

If anyone out here has been through a sugery/illness for an extended period of time or if you know someone who has and they were able to get some kind of help, so they didn’t end up without electricity, hungry or homeless, I would be very interested in hearing about your experience and how you were able to get help.

One last thing, I do have a minor child in the home and yes, I do get child support for him, but it’s really not that much.

I live in Tampa, Florida (Hillsborough County)

Please advise and thank you for reading.

I am writing a fictional story in which a 35-year-old mother of two dies due to drug overdose. She leaves behind two children, a teenager (Around 15-17) and a young child (4-6). The mother’s elder daughter and she look strikingly similiar, and in order to prevent foster care, the elder daughter fakes that she is the mother while the dead body is that of the teenage girl.

Despite the rather unbelievable storyline, I am trying to make this as believable as possible. Problem is, I have been fortunate enough to have very few deaths in the family, and none close to me. I have never attended a funeral, or even an open casket.

I need informations of what would happen after the mother’s death. Considering the mother is believed to be the minor, this makes things a bit complicated. The mother died of either drug overdose, or a lethal mixing of various drugs and alcohol.

The teenager is rather responsible for her age, though her naivity is clear, as she is convincing herself that such a crazy plan will work. She is used to taking care of her younger sibling and sustaining a part-time job, but knows next to nothing about taxes, pin numbers, social security, etc.

Info needed:
1.) What legalalities would proceed after a "teen" death.
2.) Challenges the teenage daughter would face paying mother’s credit card debt and bad credit score.
3.) Challenges the teenage daughter would face in raising her younger sibling.
4.) After creating this convincing lie and going through with it for two years, how it might be discovered. (Possibly a subplot involving mother’s illegal activity.)

P.S. This is placed under this category because I can find no better alternative one. Please suggest any you believe would be better.

Extra Info Moneywise:
1.) At the mother’s death, there is a few hundred-thousand dollars worth of credit card debt, and a few missing house payments. The mother has been in and out of debt for years, leaving a bad credit score.

2.) There is a house mortgage.
3.) There is a car mortgage.
4.) The younger sibling was most likely just enrolled in school, just about to start Kindergarden.

The teenager, as previously stated, is naive, but trying to be the best mother as she can. She has a twisted sense of what being a good mother is, but she tries to do the things she has heard is right, such as cooking lunch and dinner, meeting the teacher, and regularly attend church.

The church is small, but a church member is willing to babysit the younger sibling for an hour or so when the older sibling is working.

The older sibling becomes religiously involved to use it as an excuse for why she is "turning over a new leaf". As she does so, she contemplates Christianity herself.

P.S. I have asked this question before, but I only recieved one answer, which did not particularly help me.
I was thinking about the whole autopsy thing too, but I’m hoping (unless there is a policy I am unaware of) that there wouldn’t be enough suspicious to have one done.

It wouldn’t be a suicide so much as an accidental drug overdose/lethal drug and alcohol mix. She is going to live in a pretty shabby part of town, so the story would fit for the police officers. No reason to investigate, unless they were just reassuring themselves that this was caused by drugs. They take a blood sample, and voila. A lethal percent of alcohol and drugs running through her veins.

Most police forces wouldn’t have the staff to worry about small cases like these, they would be more concerned with getting the actual homicides/suspicious cases taken care of.

She wouldn’t go to school, because she’s pretending to be her mother. Her mother got a high school diploma, but dropped out of college. She couldn’t go back to school even if she wanted to, she doesn’t have the money or time to.
I’m sorry it’s long. I tried posting another time, and someone said they needed more details. Here are all the details I can give you without actually typing down the story.

My fiance and I are trying to get a commercial loan for a rental property. He has a credit score of about 680, and I have a score of 554, what are our chances of getting this loan? I have the worst score, but I make the most money.

In spite of having a top notch credit score for two decades, a strong self-employed job for two years next month, a two-income family, and a renter of half our building with the other half being rented in a month or two….I’ve been unable to find any local bank (or even a local "national" bank) willing to refinance so my sis and I can get away from an 8.5 per cent interest mortgage.

HERE’S MY QUESTION: are there ANY banks out there who are less stupid than the ones I’ve gone to and who ARE refinancing and WANT my money??? Can you name them to me? How can I find them without going through ALL the paperwork and time, only to be turned down over and over for one ridiculous reason after another?

PLEASE NOTE: I’m not asking why banks don’t refinance right now. I’ve heard those excuses. I’m just asking if ANY are refinancing commercial loans. lol .
I have no idea what the first answer below is talking about. I didn’t ask if I qualify for a commercial loan. I already HAVE a commercial loan. And getting a "straw buyer" seems like a poor idea. I’m just wanting to know if ANY banks are refinancing commercial loans for low-risk folks like myself, and HOW do I find them??

I have a business credit card that I use for personal expenses. I am going to discontinue doing this at the advise of my credit card company (Chase). However, I recently decided to increase my credit line from ,500 to ,000 for no reason really. They declined it and sent me a letter stating that they received their information from Experian. The letter’s tone is negative overall.

Will their declining of my credit line increase request negatively affect my credit score? Keep in mind that it is a business card.

Thanks.

Do credit bureaus differentiate between personal and small business credit scores? If so, does building up a small business credit score encompass the same practices as building personal credit? If one has a personal card with a particular creditor, then open a small business, would that creditor use any of their payment history/credit lines as some sort of a guide to extend small business credit? TIA.

I have a very high credit score (770) and want to secure as much business line of credit as possible. I would take a million if they would give it. Problem is of course gross income. I don’t mind being personally responsible but is it legal to apply for say 5 50k lines of credit on the same day and get them within the next week or so.

I stood guarantee for the business line of credit. The business is almost gone and the loan stands at 95,000 USD. Bank is coming after me. What do i do ? Personal bankruptcy has been suggested by friends. what are the consequences of personal bankruptcy? I am so very worried. Is there a nicer resolution for this? My credit score is very good right now.

I want to boy “stratus” franchise plan it’s commercial cleaning business I need 20-30$ for start I would barrow or would get some kind of personal loan but my credit score is 670 and I have no property no one want to give me money I would pay 15-18 % but……… maybe you know some banks or organizations, sagest me how to get out from this situation thanks so much SOS

After 8 long years in this relationship it finally ended after so many infidelity problems, unfortunatly the loan still stands. I got it for him to help him with his buisness and to help the family because my credit score was slightly better than his.

I moved a state away and have dealt with the worst custody battle ever the last year and with all the stuff I had to deal with I put this 100K loan on the backburner. Custody has been a priority all year. Now that most things have been resolved I have this loan that I don’t know what to do about. Its a revolving Suntrust equity loan and it was for 10 years and 2 years have passed since I had it done. I really want this taken care of it erks me so bad to see 150K in cars in his driveway and several buisnesses and commercial property and the house itself is in his name and I walked away with nothing but a loan in my name.

Please help

I am looking for a hard money loan to purchase inventory and to rent a kiosk in the mall for the holidays for my business. I have tried the banks and they say my credit score isn’t high enough or they would like to see more cash flow. I have high margin inventory as much as 80% profit margin, so I can turn the inventory quickly. Just looking for a company that will lend the money quickly. Please only legitimate answers.

I’m interested in a multi-family apartment complex (5+ units). Assuming all of the other lender specifics are met (i.e. the debt service coverage ratio). Do they look at the borrowers personal debt and compare that to the down payment, or do they not care as long as the borrowers credit score is high enough? Thanks!
I’m not concerned about whether or not I can get approved for the personal loan. I’m interested in whether or not, if all other commercial lending criteria are met, the commercial lender would approve the loan with the down payment financed through a personal loan.

After 8 long years in this relationship it finally ended after so many infidelity problems, unfortunatly the loan still stands. I got it for him to help him with his buisness and to help the family because my credit score was slightly better than his.

I moved a state away and have dealt with the worst custody battle ever the last year and with all the stuff I had to deal with I put this 100K loan on the backburner. Custody has been a priority all year. Now that most things have been resolved I have this loan that I don’t know what to do about. Its a revolving Suntrust equity loan and it was for 10 years and 2 years have passed since I had it done. I really want this taken care of it erks me so bad to see 150K in cars in his driveway and several buisnesses and commercial property and the house itself is in his name and I walked away with nothing but a loan in my name.

Please help
unfortunatley we were never married… got 2 marriage licenses but right before each time I caught him cheating again so I had to call it quits.

we are first time home investors. looking for a good hard money loan lender. with nothing out of our pocket except the closing. we are in calif. we want to get big. so looking for someone to get us started
credit score is approx 678. and we are looking for up to 75% of loan so we are fix it up

the reason i ask is i applied and was approved by capital one and they gave me a business credit line of 0!!. with a apr of 23%!! My personal credit score is over 750. for 10 yrs i pay my balances in full. I have a personal credit line of ,000 and i own two homes paid in full?

Most lenders require hard money loans to be in a city based area. I have found a gold mine property worth twice as much as asking price. Our credit score is in the 500′s.

I need a car, but i don’t have the money to do this right now. Also i heard that financing builds your credit up which is something i am interested in doing because while apartment hunting for 8months my credit score dropped from people running it constantly. Any advise?
I don’t want anything fancy or large, just simple and reliable.

At what point in a 30-year mortgage does it make sense to refinance? Is a refi based on equity in the house or is it based on another factor? After a br, when is the time to refi? What credit score is minimum to refi? Mine is over 650. Also, my property has increased in value, there’s new construction, both commercial and residential, near my house and the football field.
I ask because one banker told me to wait until I owned a quarter of the house in equity. Is that accurate?
Thank you.

The loan is for some multi-family/mixed use apartments. Need a loan for ,000 for the down payment or some place where i can get a commercial loan with no money down. I was thinking a bridge loan but not real sure. I have a retail credit score of 645 and two other properties.

Once I rennovate it will have rentable apts, and a store. What is the best type of loan to get for such an endeavor? Would a home equity loan be the right one to seek? My credit score is a little above 700. What banks are easiest to obtain loans from?

I have a start-up business. I haven’t sold or bought anything, due to the fact I don’t have any start-up funds. I have never used a credit card so I have no clue what my credit score is or even if i have one. I need a line of credit of at least 0,000. I don’t have anything to use as collateral except stock in my company. Where can I get a line of credit that my business would qualify for? And yes I do have a business plan.
My business plan has down a Line of Credit as the source of start-up funds and/or investors i.e. selling shares of the company. But regardless I need at least 0,000 to start it up.
I live in Idaho. Hopefully that covers enough informationwithout me having to make to many "Add details" hehe.

I need a commercial lender to do a small Commercial RE loan to buy an Auto Repair Shop in New York State. Purchase price of 45,000 and would like about 15,000 extra to do some upgrading. Fair Credit Score. Any ideas?

I have a small business on eBay and I would like to purchase more products. I applied for a Business Line of Credit at Bank of America and I was denied. My credit score is between 690 & 710. Is there another bank or easier way to get approved for a loan?

I filed for bankruptcy two and a half years ago after getting divorced. I am now trying to buy an existing bar/grill. All the lenders I spoke to will not loan to me till after my bankruptcy is off my credit report(another 7 1/2 years), even though my credit score is average, I have money down, collateral, cosigner and would have equity in the business property.
Does anyone know somewhere that would consider giving me funding???