Mar 31
We have paid our bill consistently on time. Due to a financial and medical hardship we want to offer to make a settlement to the credit card company and close two accounts. Will this settlement offer become negative on our credit reports since we have never missed a payment but just are seeking to close these accounts.
Tagged with: Credit Card Company • Credit Reports • Medical Hardship
Aug 21
I am curious as to whether mortgage lenders have access to the balance on a lenders credit cards? I know they can access credit reports that inform them whether you have made any late payments but wanted to know if they have access to information to let them see how much you currently have borrowed on your credit cards? Same goes for current account balances?
Tagged with: Credit Reports • Current Account Balances • Mortgage Lenders
Jan 17
Will the misspelled name show up somewhere in the credit report even if your application was denied?
What I mean is: Will the misspelled name show up somewhere in the credit report even if your application was denied?
Tagged with: Credit Application • Credit Card Application • Credit Reports
Dec 02
My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!
Tagged with: Bind • Credit Reports • Evictions
