How much does bankruptcy affect the credit check deposit for cell phone service?

December 27, 2009 by  
Filed under Mortgage

My husband and I just filed for bankruptcy not too long ago and are planning on getting a cell phone plan. Does anyone know how much the bankruptcy will affect our deposit for phone service (credit check deposit)

How would a CAR LOAN affect my HOME LOAN later?

December 24, 2009 by  
Filed under Car Finance

My wife and I have no loans on cars and no apartment (owned) yet. We want to buy a new car and finance it. How would that affect our home loans (in, say, 6 months)? Do the banks prefer you to have as little debt as possible, or would the car loan be good for our credit because we will be paying the financing on a regular basis for the next half year? We both have great credit ratings.

Appreciate any advice.

How will paying for a car loan on a repo car affect my credit score?

December 14, 2009 by  
Filed under Car Finance

My husband and I signed a $20,000 loan on a truck. The payments were behind and the car was in a wreck. The truck was repossessed and the loan company says we still owe $8000. The loan company offered a settlement of $2800 if we pay by the end of the month. Does this sound right to anyone?
How would it really affect my credit if I pay off the loan now?

Mortgage Finance Experts: How will the market affect homeowners who will be refinancing next year?

November 29, 2009 by  
Filed under Mortgage

My parents bought their home 4 years ago at a 4% rate, which is due to change next year when their loan rate. With the market crunch and the new strict lending that’s bound to occur as a result of this, they are worried about what refinancing has in store for them. The good news is that they have flawless credit (they successfully removed their PMI, and they are early every month on their mortgage payments —and they pay an extra couple of hundred dollars than they should. Not to mention their credit card debt is very low (only a couple of thousand dollars). They’ve both been at their great paying jobs for over a decade; but they are still worried about whether they will be able to secure a decent fixed rate when their mandatory refinance is up. Any hope?

How does reworking a mortgage affect my credit score?

November 27, 2009 by  
Filed under Mortgage

I could use the help of potentially reworking my mortgage to be more affordable. It is possible for me to get by without doing so. If I do call my mortgage holder and rework my mortgage for a reduced interest rate or reduced principle how does that affect my credit score?

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