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Found 11 results

  1. Hi all, I moved migrated to US in June 2014. Never lived/worked here before. I applied for secured credit cards with Capital one and Bank of America in July 2014. Both got rejected. They gave me reason round the lines of “profile or file does not exist” (Can’t remember the exact wordings though). Anyhow, I wanted to buy a car, so went into this dealer ship back in August 2014(they claim to be the largest in NYC). Told them I am looking to buy something round $20K in cash. They asked me if I was interested in financing the car. I told them that I don’t have any credit profile, for which they
  2. Wells Fargo started foreclosure proceedings in 2012, we were able to pay the late amount plus fees and the foreclosure was dismissed without prejudice in 6/2012. We went right back to regular payments and have never been late. My credit report shows that foreclosure started in 2012 and nothing else. It does reflect all of our payments since then but I'm not sure that it should even still be there.
  3. Citizens Financial Group is offering refinance to those who have Federal Student Loans and a minimum of $10,000.00. Please visit the Wall Street Journal for more information: http://blogs.wsj.com/totalreturn/2014/09/16/student-loan-borrowers-have-chance-to-refinance-at-lower-rates/?mod=yahoo_hs Here is the link to Citizens Financial Group: https://www.citizensbank.com/ As I always do on here, make sure you fully understand the ramifications of converting federal student loans into private student loans! Just be aware that private student loans DO NOT offer the same consumer protections
  4. Hello Everyone, I have not posted here in a while, and wanted to see if you can provide some input. Currently. 3.75% for an FHA 30 fixed with $290 a/month MIP remaining balance about $285k House worth about $350K Refinance estimations 4.125% APR on a conventional, NO MIP Refi Loan either for the balance, or with a $15k cashout will this be worth it? I have not applied yet, but my goal is to remove my MIP, and save those $290 a month on my monthly payment. and wondering is also getting the cashout is a good option.. please advise, thanks..
  5. I have a 30 year ARM on my home. I want to refinance asap before interest rates go up, and I want to take advantage of jumbo rates while they're lower than conforming rates if possible. Obviously I need to move quickly to take advantage of current market situation. I will be installing a pool on my property, but am unsure when to do so. Contractors estimate that installation will take 2-3 months. I think I need to get the refi done sooner than that. How might the installation affect the property appraisal? Obviously having the installation complete would improve the LTV, but I don't feel g
  6. Hello, I'm new to the site... I've picked up a lot of credit savvy reading these forums and using the creditpulls database. So I'll ask this, I get these postcards regarding refinancing my mortgage from EDITED TO REMOVE SOLICITATION which I guess are from Freedom Mortgage. This is the third one I've received this year and I see they are a real company but have mixed reviews and that is a stretch to say that. Anyone else get this "offer" and have current/past mortgages with them? I lost all of the equity in my house like most people and now underwater and seems like a rare option to
  7. I'm in need of some auto refinancing advice. I am extremely novice to auto refinancing, so please bear with me. I'm looking for ways to save a few dollars in our household and I realize that we are paying too much for our vehicle. At the time we purchased our car, our credit was a little challenged but it has changed dramatically within the past 3 years. We have a 2008 BMW 750i that we purchased for around $44k 3 years ago at 7.9%APR. We financed for 72 months, so we're half way through the term. The current principal is at $26k remaining and our payment is $782/mo. It's in excellent co
  8. hello first i want to say this forum and the information on it has been a great help in repairing my credit. i was able to obatain an NFCU rewards card with a 14,500 limit that i would have never known about if it were for you guys! thank you sooooo much! so now i am in the process of trying to refinance my HELOC on my home. it has a 105000 credit limit and a 95000 balance. my home was paid off before this and i had some repairs to make to it and paid off cars and remodeled my home a little bit. so my question is, how hard is it going to be to get this taken care of? my home is worth a
  9. I'm being offered HARP refinance on my 120K balance by my current bank. going from a 7.125 to 3.625 Rate, but the costs in the GFE is about 8K. are these costs typical or should I explore other lenders. Thanks
  10. Awhile back, in September of '11, my father co-signed with me (actually, according to the loan terms, I co-signed him) so I could buy a truck. I financed about 10k at 15.99 on an 04 F150 that now has 119,000 miles on it. I've switched jobs in December of '11 to a higher-paying one, and I'd like to try and refi the truck to be entirely in my name. Is there any lender out there that would be willing to refi such an older/high mileage vehicle? If it helps any, the last time I checked KBB it was worth about $8k, I have a little over $7900 left of the principle, and I have made every payment on
  11. my information: My credit score comes in at around 740. I have 5 credit cards that are open and in good standing. cards are 6 years old, 2 years, 1 year, and the other two are from the last few months. I also have a 7 month old car loan, all payments made on time. I make about 15k a year (part time employee and student). my question: I want to refinance my car loan, as i feel like i can get a better interest rate. The current rate i have is 6.14%. I tried refinancing through my current lender (PNC), i was denied because they said my income was too low (this didn't make sense to me as i
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