No Annual Fee Credit Cards » apartment http://no-annual-fee-credit-cards.org No Annual Fee Credit Cards Wed, 23 May 2012 17:16:37 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 I want to build credit but no one will approve me for a credit card? http://no-annual-fee-credit-cards.org/6181/i-want-to-build-credit-but-no-one-will-approve-me-for-a-credit-card/ http://no-annual-fee-credit-cards.org/6181/i-want-to-build-credit-but-no-one-will-approve-me-for-a-credit-card/#comments Sun, 26 Sep 2010 07:14:21 +0000 Author

I want to build by credit so that when i graduate college in a year i can get a nice car or apartment. I can not seem to get approved no matter what. i have no credit history and i need help.


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]]> http://no-annual-fee-credit-cards.org/6181/i-want-to-build-credit-but-no-one-will-approve-me-for-a-credit-card/feed/ 14 Bad credit???? http://no-annual-fee-credit-cards.org/6147/bad-credit-19/ http://no-annual-fee-credit-cards.org/6147/bad-credit-19/#comments Sat, 25 Sep 2010 13:48:34 +0000 Author

My husband and I found this perfect repossesion home and want to get a personal loan for it, but our credit is pretty bad. Any suggestions on where we can get a loan?????
Thanks


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]]> http://no-annual-fee-credit-cards.org/6147/bad-credit-19/feed/ 8 Moving- will apartment company see FICO or PLUS score when they check my credit? http://no-annual-fee-credit-cards.org/6129/moving-will-apartment-company-see-fico-or-plus-score-when-they-check-my-credit/ http://no-annual-fee-credit-cards.org/6129/moving-will-apartment-company-see-fico-or-plus-score-when-they-check-my-credit/#comments Sat, 25 Sep 2010 04:48:15 +0000 Author

I want to take a look at my credit score and report before the management company for the apartment I want will look it up but I already got my free ones for all three this year.
What will they see when they look it up? And also, will they see my PLUS score or FICO score?


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]]> http://no-annual-fee-credit-cards.org/6129/moving-will-apartment-company-see-fico-or-plus-score-when-they-check-my-credit/feed/ 2 bad credit? http://no-annual-fee-credit-cards.org/5915/bad-credit-14/ http://no-annual-fee-credit-cards.org/5915/bad-credit-14/#comments Mon, 20 Sep 2010 18:37:03 +0000 Author

i have a freind who has bad credit. can she still find an apartment and find a job?


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]]> http://no-annual-fee-credit-cards.org/5915/bad-credit-14/feed/ 5 What is the best way for me to build my credit without getting credit cards? http://no-annual-fee-credit-cards.org/5693/what-is-the-best-way-for-me-to-build-my-credit-without-getting-credit-cards/ http://no-annual-fee-credit-cards.org/5693/what-is-the-best-way-for-me-to-build-my-credit-without-getting-credit-cards/#comments Thu, 16 Sep 2010 01:28:12 +0000 Author

I have had one credit so far but my payments were not kept on this one card. So i have made my decision and that is to not apply for another one. What are some ways for me to build my credit without credit cards. I have my own apartment and my cell phone wit tmobile.
where are some places that i can apply for a car loan?


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]]> http://no-annual-fee-credit-cards.org/5693/what-is-the-best-way-for-me-to-build-my-credit-without-getting-credit-cards/feed/ 4 Mortgage Advise for HSMP holder? http://no-annual-fee-credit-cards.org/5480/mortgage-advise-for-hsmp-holder/ http://no-annual-fee-credit-cards.org/5480/mortgage-advise-for-hsmp-holder/#comments Sat, 11 Sep 2010 18:37:02 +0000 Author

I am getting into 25% shared ownership property; I have 8 months remaining on my permit.
Basically I applied through countrywide Mortgages for £50K loan to HALIFAX, they approved it first then I did all the valuation, insurance and housing association procedures. After two weeks they came back to me that they are stopping my application. I appealed & found that condition is 27 months left on your permit (and fair credit score & rating) to get a mortgage. Now Woolwich, Abbey, and other building societies have same rules.
That means when I renew my permit after 8 months (for 3 years) I will have 9 months to find a property, gather all the monies and apply for a mortgage. So If I don’t do that I can’t own a property for another 3 years.
The only reason I am writing this post today is I found a lender who is willing to take risk on me at a higher interest rate of 12.75% with 5% deposit. Now what I am planning is I know the interest rate is not acceptable its way to high, but I have found the perfect place, its a 2bed apartment, I am single will rent the other room to my mates who will pay me a almost £700 as rent.
Now I am taking this expensive mortgage on one condition that I should be able to re-mortgage it after I renew my permit. This way I will be able to get this place which is at fantastic location 5 mins to High street, 12 mins to Piccadilly line, 4 mins to BR Station.
Coz If I rent another place, I will end up paying £500/month & I won’t own it. This way I will stretch myself a bit for a year then once I re-mortgage it the payments will go down by £200/month.
Calculations:
Property Value: £195,000
25% £195,000 = £48,750
Minus 5% deposit i.e £2450
So the mortgage will be for = £46,300
---------------------------------------------------------------------------------------------------------------
I will try & minimise my repayment to be £500/month
Rent on 75% is £305.00/month
Council Tax = £100/month
Bills - £100/month
Service Charge - £50/month
Insurances & other - £50/month
TOTAL = 1105/Month

Thank you very much for reading my calculations & problem, All I want is advise if I am doing it right, am I being getting into something I will regret later about these lenders they are very good in changing their terms & conditions. But also housing association does not allow deals with each and every lender so should I take it that it would be fine, or any suggestions where it might go wrong.
I would really be very thankful for your comments
All the best in what you looking for.

Kind regards
Schofield


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]]> http://no-annual-fee-credit-cards.org/5480/mortgage-advise-for-hsmp-holder/feed/ 1 How can I get a loan while having bad credit and no checking account? http://no-annual-fee-credit-cards.org/5464/how-can-i-get-a-loan-while-having-bad-credit-and-no-checking-account/ http://no-annual-fee-credit-cards.org/5464/how-can-i-get-a-loan-while-having-bad-credit-and-no-checking-account/#comments Sat, 11 Sep 2010 09:04:39 +0000 Author

I was just approved for a apartment and I'm 9 months pregnant. I have to put down a deposit and 1 months rent. I don't have it and need to know which is the best way to get a loan without having a bank account and having bad credit (blame it on a family member). I can't ask anyone in my family so how can I go about this?


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]]> http://no-annual-fee-credit-cards.org/5464/how-can-i-get-a-loan-while-having-bad-credit-and-no-checking-account/feed/ 7 How to raise credit score 28 points in 2 months? http://no-annual-fee-credit-cards.org/4920/how-to-raise-credit-score-28-points-in-2-months/ http://no-annual-fee-credit-cards.org/4920/how-to-raise-credit-score-28-points-in-2-months/#comments Tue, 31 Aug 2010 11:27:12 +0000 Author

I want to apply for an apartment but they need a 625 credit score. I lost my job for a few months and am now behind on two accounts.
My credit score is 597. I can bring the accounts current in less than three weeks but will just that be enough to raise my score those 28 points? I don't want to waste my application fee just to get rejected.


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]]> http://no-annual-fee-credit-cards.org/4920/how-to-raise-credit-score-28-points-in-2-months/feed/ 4 How do you get approved for an apartment if you have really bad credit? http://no-annual-fee-credit-cards.org/4373/how-do-you-get-approved-for-an-apartment-if-you-have-really-bad-credit/ http://no-annual-fee-credit-cards.org/4373/how-do-you-get-approved-for-an-apartment-if-you-have-really-bad-credit/#comments Fri, 20 Aug 2010 06:41:08 +0000 Author

I am trying to get my mom into an apartment but she has very bad credit. She HAS to have an apartment by the end of this week. How do you get approved if you have bad credit? Is there a way around the credit check? Thanks for the advice.


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]]> http://no-annual-fee-credit-cards.org/4373/how-do-you-get-approved-for-an-apartment-if-you-have-really-bad-credit/feed/ 2 Where a can I get a Car Loan with very poor credit a repo and no down payment? http://no-annual-fee-credit-cards.org/3976/where-a-can-i-get-a-car-loan-with-very-poor-credit-a-repo-and-no-down-payment/ http://no-annual-fee-credit-cards.org/3976/where-a-can-i-get-a-car-loan-with-very-poor-credit-a-repo-and-no-down-payment/#comments Thu, 12 Aug 2010 09:37:44 +0000 Author

I need a car new or pre-owned and I was wondering if anyone knew of a dealer(in Texas) or a lender that will finance a car for someone who have very poor credit(credit score is 615) a repossesion, and no down payment. And a co-signer is not an option. Any help would be greatly appreciated


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]]> http://no-annual-fee-credit-cards.org/3976/where-a-can-i-get-a-car-loan-with-very-poor-credit-a-repo-and-no-down-payment/feed/ 4