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myboys asked:


hi, I have never had a home loan before and my husbnd and I have been looking around lately at homes for sale. I have found the house of my dreams but unfortunatly Im unable to get a loan of any type due to bad credit. The loan person at the bank said to try back in 6 months because we just paid off 2 credit cards that were in delinqent standing. I cant wait 6 months the house will for sure be gone by then! The realtor is also the owner and he offered if we couldnt get a loan to call him back and he would be willing to let me buy it on contract. What do you think? Is this a good idea? What should I look out for? He personally has never lived in the home, he flipped it, and now everything is brand new! I’m very excited to move forward with the contract option but should I? Please help!

helen_reyes58 asked:


I need to borrow about 4000.00 to 5000.00 dollars but I have bad bad credit I do not want pay day loan. help

Joanne S asked:


I’m trying to buy my first home and have low fica scores. I am working with someone currently who says that they can get me pre-approved for $50 or more. I have fallen in love with a house and would like to purchase it. I think I can pick it up for less, but that does not help my situation either. Can someone point me in the right direction? By the way, I’m in upstate NY.

Emily S asked:


My boyfriend and I have discussed marriage but one of my biggest concerns is his credit. He is working towards improving it, but I know this will take years. I have excellent credit. If we get married and do NOT have any joint accounts, seperate car loans, home in my name, seperate credit cards, etc, will his credit score have any effect on mine? Also if he continues to damage his credit after getting married, will that effect my credit score?