My credit score and leasing an apartment?

Hello, I’m looking for an apartment to move into this coming August, it’s my first time searching and obtaining an apartment on my own. I was wondering if any one could provide any good websites for me to look at concerning my likelihood of approval for an apartment concerning my credit score, or if you can just tell me more out of your own experience. A few points of interest:

-My credit score is in the upper fair range, but not the best. I’m young and only have a few years of credit.
-I will be a full-time graduate student and will be paying rent out of a trust fund, I’m interested in seeing how leasers would view this situation.
-I have a cosigner if need be.

Thanks! Much appreciated!
-Forgot to mention that I have 2 years of good renters history, never late, etc.

What are my chances of being able to get a car?

I’m 19, work full-time and have a 704 credit score. The score is only from a school loan which i pay on monthly and routinely. Other than that I have nothing else to give me any type of credit. I want to get a car around ,500. Just whatever I find, because I’ve been looking. Do I have a good chance at getting a car? How much should I expect to put down on any car in that price range?
I was also looking at Craigslist, and I see a lot of decent cars (that of course need to be looked at first I’m not stupid) and I was also thinking that if a dealer doesn’t work that I could try to get a ,000 loan from my bank. Or less than that if I can find a car cheaper than ,000.
Does any of this sound like a good idea?
I also have a spare 0 monthly… after bills and all. With a baby savings account.. as in there’s very little there. But, I do save from every check.

What are our chances at getting a home loan?

We live in Arizona. We must qualify together. Both of us are college students, and I got a part time job in my field of study over 1 year ago. My boyfriend has held his job for the last 5 years. Unfortunately, both of us being in school full time and me being a part time stay-at-home mom, our income is only 25k/year for now. We have two years of perfect rental history at 900/month. His credit score is 760, but mine is 580. We have k available to put down. We have no car payments, our highest credit card payment is /month, so together, all four of our cards never get past a month. We generally have no debt. Our credit limits range from 00-00.

We are in a relatively good position to buy and our mortgage payments would surely be less than the 0 we waste in rent every month. The homes we would be looking at are 90k-100k.

Our major issue is our income and my credit score. Does this really hurt our chances that much?

Need Personal unsecuredLoan for $5,000, payable over a 48-60mo time frame?

Two years ago fully discharged bankruptcy, chapter 7. Delinquency, extended full time unemployment and subsequent bankrupty caused by past and now solved health and family personal problems. No present debts of any kind. Excellent source of income. Lifetime monthly pension of 0.00, plus ,554.00 of combined social security benefits (age 64/62),,,,no tax liability. Money to be used to provide younger son for move to another state (K) and the balance to buy a small good car so i can go back to some partial work and dont leave my wife without transportation. Know i will need to pay a premium related to the interest due to my past credit history. Credit score should be in the 550-560 range…..

Want to buy a home, but wasn't sure if we may qualify for a home loan?

My husband and I are looking forward to buying our first home sometime this year (2010). We live in California, about 2 hours from the Oregon border. I am 24 and my husband is 22. I do not work just yet, but am going to school full time, and my husband works full time, and makes about ,200-,500 a month. He has had his job for almost 7 months now, but by the time we get ready to buy our home, he will have had it for over a year. We have some bills, but they are getting paid off by June 2010, completely paid off. My grandmother passed away a few months back, and she had a living trust, in which I was a beneficiary, and her estate was worth over 1.8 million dollars. They told me I was suppose to be inheriting ,000. We were going to take about ,000 and put it down on the house, and was looking for a home in the 0,000-0,000 range. Our credit scores 2 years ago were in the lower 600′s, but that was 2 years ago and we have been paying faithfully on our bills since then, and they will be completely paid off by the time we go for a home loan.

So…..with ,000 down, credit scores of around 650 or better, no credit lines ran up, and bills paid off, and my husband only having a job for the time length that he has, do you think we may be able to qualify for a loan knowing this information.

I have a question for a mortgage broker.. Could I qualify for a mortgage?

I have 12k cash, employment history part time for 7 months and a full time student. Also a credit score of about 570. What are my chances of getting a mortgage? I also have a mutual fund of about 10k that I will not liquidate, but maybe it can be used as good criteria on my app. I live in WV.

*I am looking into HUD homes in my area. Some range from 12k to 30k.

Can We Buy A House Again With a Credit Score of only 650 (Fair/Good)?

,000 in debt from a business loss, but we have set up a monthly debt payment plan a few years ago and have paid off 0,000+ in debt.

Now that we are down to ,000 in debt, never filed for bankruptcy, our previously owned homes were never foreclosed on (we sold them) and have a credit score of 650. Is this enough to buy a home once again?

Our credit used to be 850 4 years ago. (beyond excellent) but over the past 3 years (since our business loss) we dropped waaay down to "poor" credit 3-years-ago, to "fair" credit 2-years-ago, and now to "good" credit as of today (although still not "exccellent" yet, but working on it).

My husband makes ,000/year after taxes and I am a full-time mom.

How soon do you think we can start looking to buy a home again? Is it too soon or should we wait another year until our credit is "excellent" once again?

We are looking into the low 0,000 range.

Thanks in advance for ANY input on this! =)

How am I suppose to know if the houses are in the market.?

I live in Georgia for 10 years.I am a full-time student, and part-time employee at Kroger. I want to buy a HUD house because it is cheap and that the only thing that I can afford it. I have a good credit score 790; however, the bank had turned me down because I am consider low income. Then I ask my family to help me out in financial which they did. I am going to buy a house under .000 pay in cash. I called one of the agent specialist in HUD and he didn’t help me much; he told me to look up the houses by myself and when I want to bid the house then call him. well I guess it is not a big deal according to my budget I guess and I don’t want wasting his time either.
I saw the list on HUD or HUD PEMCO and then I saw several houses in that area. I wrote down the address and called my agent if the houses are available. He got back with me, and he said those properties are not longer available.
I googled the address and it showed active (www.redfin.com and www.movoto.com) I also search www.huddekalb.com because Lithonia 30038 is in DeKalb county, and I didn’t see that particular house that I am looking for and then it showed in www.hudbarrow.com. I search on www.hudpemco.com it didn’t have Barrow county on the list. Now I was wondering how am I suppose to know if the properties are available in the market. I saw a lot of cheap houses in Lithonia area, and I like the area ; however, I become stressful knowing those houses are not in market anymore. Why the paper from HUD still attached on the window? I really need some one who really understand about HUD home and explain this situation to me. I don’t want to rent an apartment and burn all my money that my family had given to me. In Lithonia area the HUD houses are range from .000 to max. But there are so many HUD home already sold in the my budget.
Thank you so much.

Rental application/credit score/credit check question…?

I currently live in Hollywood, I live in a 2 bedroom, 2 bath apartment in a *not so great* part of town, my fiance and I were approved for it, the rent is 27.00/per month.

I am assuming because the area isn’t so great, that we were both approaved for this place 1 year ago. The manager told us, when we applied, that they just look that we are not criminals (background check) and that someone is working full time….

My finaces credit score is about 650-ish, and mind is around 500-ish, My fiance works full time and makes enough that he could pay the rent and other bills on his own, although I work, but its ‘under the table’

We want to move closer to the West Hollywood area, save money renting a 1 bedroom for under 0-ish range.

Last time we looked at many places, and were turned away, everyone only wanted people with score of 720 or above, which I do not understand in this economy (which is the reason my score is bad in the first place!)

What are our chances of being approved for a 1 bedroom, around 0 a month with scores of 650-ish and 500-550-ish, with 1 person’s ‘recorded’ income?

-Would it be better for us to get a family member to co-sign?
Or can we do it on own our?
money is tight now, and we are worried about paying the – application fee for the apartments we like, and getting rejected, we’d rather go into it knowing if we have a good chance or not!

College loan consolidation and credit score?

So, having multiple degrees doesn’t stop you from making stupid decisions. I made some very poor decisions related to college loans.

I’m currently finishing grad school, but not a full-time student anymore, so my loans all went into repayment. Working part-time so I still have time to do research requirements. Long story, short: I have MANY loans and never consolidated–got overwhelmed by the payments and ended up 60 days late. Nonetheless, this is now reflected on my credit report. My score dropped about 130 points because of this. It took me YEARS to get my credit bordering between the Good/Excellent range, so I am extremely dissappointed in myself. I know this was stupid.

Anyway, my question – if I consolidate now, will that lead to any improvement in my credit score? Will my 15+ loan marks of "60 days late" just go to one, or won’t this make a difference? I will consolidate regardless, but am wondering if this could make any positive change in my score.