How will my late, but current payment history effect my needed Alt. Tradelines when verified for an FHA loan?
I am trying to get an FHA loan. I need 3 alt trade lines. My bills have been late in the past 12 months, but are current. Just paid late. When the trade-line (AEP, Time Warner, Columbia Gas, verizon, etc.) is verified will they tell about my past late history? I don’t want to use them if they will hurt me. Are they any way to find out with each of them, without rocking the boat so to speak? Is there anyway to get them to delete the late pay history since I have a zero balance do?
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Has anyone ever added seasoned tradelines to their credit report?
I have been in touch with a company who said they can add seasoned tradelines to my credit report to boost my score over time. However, in doing some research online, I fopund that a lot of lenders are trying to combat against this practice by ignoring “authorized user” accounts and the points they add to your credit score. I believe this practice began some time last year.
Is there anyone who has had seasoned tradelines added since then in the recent past who has seen some form of improvement to their score AND been able to get a loan (i.e. home, car, etc) with the improved score and tradelines completely considered? I would like to know if this is still a beneficial practice before I spend 800 to add one to my report.
Please, only consumers, not companies trying boost their services. Preferably someone who got through with a loan after adding seasoned tradeleines. Thanks!
are tradelines added to your credit legal?
I had someone approach and tell me about trade lines and some other number for my business. He said that i could use this new number as a social security number as well as adding trade lines to it. Is this legal? I’m sorry I cannot think of what he said this new 9 digit number is called.
how long does it take to reported on your credit files?
how long do it take for 3 tradelines to be reported on your credit report, one imagine cc(balance 150 dollars) and continental finance cc (balance 150 dollars) both accounts are 2 months old. and 1 authorized user CAPITOL One CC (balance 200 dollars, but 500 dollars limit)reported on july 17th
credit scores, 579, 560, 597. exp, trans, euqifax
with 2 years of perfect payment under 250 balance?
1 year post bankruptcy mid score is 595 what type of mortgage can i get I have no lates and 3 pos tradelines?
I would like to get a home w-in the next 3-6 mths I will continue to repair my credit reports several still reporting incorrectly
What’s this mean? ” No undisputed tradelines exist with a status date OR a balance within the last 6 months”
that’s why i can’t get a credit card. can someone translate this?
How do the credit bureaus determine your credit score?
I mean. I know I have to keep the balance of my credit limit at half. I know how to maintain my credit, but how do they determine the credit score? Is it based on points depending on the accounts, balances, tradelines opened or closed? How? Is there factor or a math equation??
Primary Tradelines?
Anyone know a good source who provides good primary tradelines to your credit report? preferably auto
Where can you get an car loan with no credit or bad credit?
I work at an car dealership and my boyfriend wants to buy a car from me. The problem is his credit score is 0. The only credit he has is bad stuff (collections, write-offs) and he does not have any good tradelines. I have tried lending tree and e-loan both of which declined him. I really don’t want to go to one of those “guaranteed credit” places because they usually have crappy cars. Where should I try next?
Fha loan approval question about alternate tradelines?
We are being told by wellsfargo that we need 4 alternate tradelines of credit because the mortage and utilites we pay on the the house we are trying to buy are not in our name but wouldn’t that be the same as a rental agreement? We have lived here and paid everything here now for a year they have the proof on our bank account the mortgage we write a check a check to the owner and he sends the payment by his check the utilites are listed as paid by us even though the accts are not in our name they are listed on our checking acct. So can this be right about not being able to use this info or wrong and were just getting screwed by the big bad bank?
yes it can be proved we are paying the utilities they show up as entergy on my bank statement and all the other bills too I pay with a debit card. and the chack to the owner I am a member of wellsfargo bank they have a photo copy of the check so they can prove its going to the owner!
my only other thing if they really were my friend they would have told me a year ago what exactlly I needed to have to do to get this approved ie swithching the utilities and how many tradelines I needed .