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I don't have a credit score or maybe now a very low one since I just started trying to get credit. I don't know what to expect when trying to get a care loan. I have co-signer and the car loan would be for a ,000 car which I will be putting atleast ,000 down on. I was told by the lender that I would have a 0 monthly payment and the loan would be at 24% interest. (I am not taking that deal since I think it is horrible.) I was just curious if that was the types of deals I am going to get or can I do significantly better.

Also, what is the average interest rate on a car loan for someone with a fair credit score.
Oh, that quote was for three years. The lender wouldn't do it for more, but part of the reason I am getting an inexpensive automobile is because I don't want to be paying on it forever. I really want to pay it off early, so please give me any info you may have on prepayment penalties and how my situation will be affected by trying to get that type of loan.

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What is the average credit fico score for americans today??

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I recently went over my credit limit by and noticed that the credit card account (Cap One) was reported as delinquent on my equifax credit report? How can this happen and what are the consequences to my credit rating/score? Thanks for your response.

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I have had a debit card from Bank of America for a year and a credit card for less than a month but i need another debit card for rent money so i know what money i can spend and all...Chase has a good offer right now so should i open up the other card with them? Or stick with Bank of America? Does it affect my credit score or anything? I'm 19 btw

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Me, my mother and sister are going to be homeless very VERY soon. Our landlord has decided to kick us out before our lease is schedule to end. She wants us out by the 30th of April. It's already the 24th and I don't know what the hell we are going to do. I just need to find a place to go quickly before we end up out on the streets! My sister has friends who said that she could stay with them. I also have a friend to stay with if push comes to shove. The main problem is my mother. She doesn't have anywhere to go unlike me and my sister. I've asked family and they said they couldn't take my mother in. My mother is going to ask more people if she could stay with them but I really don't think that anyone will say yes.

We are not in a financial position to rent any apartments. My mom has a job; she works at Macy's but she doesn't meet most income and credit requirements. Her annual income is in the 22,000's and her credit SUCKS! Most landlords want an annual income in the 30- 35,000's at least and a FAIR credit score. At first I thought that I could rent out an apartment/studio in my name but that idea was quickly shot down. I don't have a credit card to build up a credit history and I can't qualify for one unless I have a steady job (which I certainly do not have). So renting out a decent apartment is out of the question.

So it seems our only option is a shelter right now. Does anyone know of any good shelters in the bronx area that we can go to? Or does anyone have any suggestions as to what I can do in my current situation? Any advice would be greatly appreciated.

Thank You

Side Note---
I've already applied for governmment housing in the projects. All I can do on that issue is wait to find out if we were approved for project housing or not.
Again, any advice would be HIGHLY APPRECIATED.

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