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Tag Archives: credit scores
Who’s Checking Your Credit?
Posted in Uncategorized
Tagged cell phone companies, consumers, credit score, credit scores, electric utilities, home insurers, landlords, lenders, loan, mortgage application
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Credit Knowledge and Confidence
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Tagged bills, credit, credit confidence, credit knowledge, credit scores, debt, fraud, identity theft, low credit card balances
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As Home Ownership Lags, Young Renters Left Behind in Wealth-Building
Dana Bergman signs over a third of her take-home pay to a landlord in Los Angeles. Jonathan Karadimas just hopes he can pay off his student loans before he retires — a date the 26-year-old New York resident won’t hit … Continue reading
Posted in Uncategorized
Tagged credit scores, down payments, Millennials, renters, student loans
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6 Myths About Credit Reports
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Tagged cosign, credit reports, credit scores, FICO scores, joint account, myths
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The Costly Mistake Homeowners May Regret
An analysis of 1 million fixed-rate mortgages in the United States shows that millions of Americans failed to refinance when mortgage rates were at historical lows, which could have amounted to savings for the median home owner of more than … Continue reading
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Tagged credit scores, fixed-rate mortgages, National Bureau of Economic Research, NBER, payment history, refinance, refinancing, value
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How to Improve Your FICO Scores Quickly
With mortgage interest rates hovering near record lows, you may want to either refinance your mortgage or purchase a new home before rates go higher again. The question is — can you qualify for refinancing or a purchase loan? Click here … Continue reading
Posted in Uncategorized
Tagged credit history, credit scores, credit utilization ratio, errors, FICO score, income-to-debt ratios, job changes, job security, loan qualification standards, mortgage interest rates, on time payment histories, payment history, purchase loan, recession, refinance
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Debt-to-income ratio can sink mortgage application
Home buyers need to know that debt-to-income ratios are the most direct indication to a bank about whether buyers can afford to repay a mortgage. Click here to read article.
Posted in Uncategorized
Tagged back-end ratio, credit scores, credit-risk managers, debt to income ratio, documented income, DTIs, Ellie Mae, FICO, gross monthly income, housing expense ratio, monthly debts, mortgage application, Savings
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