garystidham

408 Contributions 193 People Helped Top Contributor

Member Since: August 2010

Most Helpful Contribution

what credit score is needed to rent an apartment

Sep 30, 2011
Helpful to 10 out of 11 people

 they are not looking for a score they are looking for unpaid debts they will require any unpaid collections to be paid be for they will rent to you

you need to ask them their requirements for a tennent they will give you a list

also if you have bad credit some places will rent to you but they want first last and deposit to cover them selves

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what credit score is needed to rent an apartment

Sep 30, 2011
Helpful to 6 out of 6 people

don't just let them run your credit find out their requirements first

How long does negative items stay on my credit report

Sep 16, 2011
Helpful to 6 out of 6 people

7 years to 7 .5 years if you get your free credit reports it will sometimes say the date that it will be removed from your report  most of the time the account has to be cloesed for 5 years for them to put it the date of removeal 

what credit score is needed to rent an apartment

Sep 30, 2011
Helpful to 10 out of 11 people

 they are not looking for a score they are looking for unpaid debts they will require any unpaid collections to be paid be for they will rent to you

you need to ask them their requirements for a tennent they will give you a list

also if you have bad credit some places will rent to you but they want first last and deposit to cover them selves

What Credit Rating do you need to get a home equity loan?

Feb 13, 2012
Helpful to 4 out of 4 people

well to get a equity loan you need to owe less on your house than it is worth

and the minamum score for most lenders is 640

What credit history and score do i need to buy a house?

Oct 02, 2011
Helpful to 4 out of 4 people

no more cards

most lenders require 640 now but you can find them that will approve a 620 with 2 or 3 years at the same job with steady increasing pay

a lot of lenders require 2 years of open credit history

wait 6 mounts and see a mortgage broker bring them one of your fico scores and history so you can get a better idea of what they can do for you

the loan you will probably go foe is a fha because they only require a 3.5% down payment

if you include about 4% of the purchase price for closing cost on a 100,000 house yon need atleast  8,000$ some lenders want you to have 3 mounts of savings on top of that to cover housing expenses  if you loose your job so 10-11000 is a good starting point

How can I get paid off accounts / public record items off of my credit report?

Feb 22, 2012
Helpful to 7 out of 8 people

you can try to dispute them but you dont have much chance they will stay on your credit for 7 years from the date of last activity

only time will help

How soon after a Chapter 13 dismissal can I apply for a car loan?

Jan 13, 2012
Helpful to 3 out of 3 people

most dealers wont give you one in the first 6 months and the ones that do will screw you in intrest 15%+ 

Can I put an alert on my credit to notify when new charge account is open or large amount is charged...

Jan 13, 2012
Helpful to 3 out of 3 people

you can put a froud report you get emails when things change on your report

you can also put a lock on it so no new credit can be taken out without the  code to unlock it

but if you loose the code it takes a while to get a new one up to a year 

How should I start building my credit?

Jan 12, 2012
Helpful to 3 out of 3 people

get 2 or 3 secured credit cards after about 6 months you will receve offers for unsecured cards

keep your balance under 30% and never pay late

i need to know if i was a victim of identity theft on my taxes

Jan 11, 2012
Helpful to 3 out of 3 people

call the irs and request wour w2s for the last few years if their any jobs that you didnt  work at you need to let the irs know so they dont come after you for taxes owed that arnt yours

the sooner you do this the better if someone did use your ssn to get a job it would not know and it would not be on our credit report

it happened to me they said i owed 20000 in taxes but it turned out that 3 people used my ssn for jobs

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