| Subject | Date Asked | Expert |
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| how to get out of a tax lein | 3/26/2007 | Joe Montgomery |
Q: I currently own my first home. I was late on my mortage three time because I was out on maternity ...
A: If you did not have your property taxes held in an escrow account with your mortgage company then ...
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| WTF is with lenders and car dealers?? | 3/26/2007 | Joe Montgomery |
Q: I have a serious problem sir.... I have bad credit, and I mean really bad! I am talking about a 340 ...
A: At this point, there is really nothing you can do but wait for your score to rebound. You can write ...
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| loan questions | 3/21/2007 | Joe Montgomery |
Q: I am just starting to look for some type of loan so I can finish my basement. The estimates I have ...
A: For a loan of that size, and for the purpose you have in mind, I do think a 2nd mortgage would be ...
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| Personal Loan with not so good credit | 3/16/2007 | Joe Montgomery |
Q: I don't have a good credit, an Emergency came up with my mom back home(Philippines). I need to go ...
A: There may be a person, or a company that is owned by an individual person, but most established ...
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| Need loan but dont have collateral and limited credit | 3/15/2007 | Joe Montgomery |
Q: I am a college student about to graduate in May. I live in New Jersey but the jobs and industry I ...
A: Loans of that size without collateral and limited credit usually don't happen. As much as I try to ...
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| Loan for only six weeks | 3/13/2007 | Joe Montgomery |
Q: I would like to know if their is any loan companies that will give a loan to someone with bad credit ...
A: Not many lenders will make a short term loan, not to mention how hard it is to get a loan with bad ...
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| cosigners | 2/23/2007 | Joe Montgomery |
Q: My husband & i are trying to get a personal loan from our bank. We're going to need a co-signer, ...
A: Normally you only need a guaranteeor for a loan, but most lenders want the person helping you get ...
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| bad credit loan | 2/18/2007 | Joe Montgomery |
Q: My credit score is in the mid 500's. I am in the process of paying of all debts (chargeoffs). I now ...
A: Most likely, the answer is no. Unless you have some good collateral that you can offer to a bank or ...
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| Getting a loan for a 16 year old | 2/12/2007 | Joe Montgomery |
Q: My son is 16 and he owns his truck out right approximate value $4000.00, but has very little credit ...
A: A local credit union or bank. They will usually lend you the "book value" on your truck, and they ...
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| bad credit loan | 2/5/2007 | Joe Montgomery |
Q: my husband was just recently laid off, we have a small child and i'm just getting back to work from ...
A: Honestly, I have not even heard of the deal you are mentioning. Unless you are talking about a ...
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| loans | 2/4/2007 | Joe Montgomery |
Q: i have to take out a loan to pay for a surgery i want to have. im using capital one's cosmetic ...
A: Actually it works a little differently than that. Credit cards use revolving interest. Revloving ...
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| Limited Credit History | 1/29/2007 | Joe Montgomery |
Q: I have a very limited credit history except for a gym membership that shows on my credit report. I ...
A: 18% is high.. I suspect that whomever you went to didn't try to get you a first time buyer program. ...
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| Discounting a Loan or Note | 1/26/2007 | Joe Montgomery |
Q: I want to thank you for your reply. I do have a follow-up question. The bank claims that it ...
A: Based on your example, you are correct. If the bank is setting the loan amount, and then ...
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| Discounting a Loan or Note | 1/25/2007 | Joe Montgomery |
Q: Can you or someone explain the arithmetic involved for repaying the amount for a loan known as a ...
A: I have normally seen this used in the following scenario; A borrower wants to borrow $15,000, at ...
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| Real estate terminology | 1/24/2007 | Joe Montgomery |
Q: I am a Japanese involved in the housing industry in Japan. When I was reading a report "Housing ...
A: Cash out refinance is a loan that pays off a current mortgage, and gives additional cash to the ...
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| Credit Card | 1/18/2007 | Joe Montgomery |
Q: I have a $25,000 limit on a credit card account which I do not use and do not plan on using again. ...
A: I would close the account, or ask that the max limit be reduced to $5,000. It's good to show that ...
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| Personal Loan With no FICO score | 1/9/2007 | Joe Montgomery |
Q: I am trying to get a personal loan of $2500. I qualify on every level, as I have been told by most ...
A: I would suggest that you ask you local bank for a $1,000 loan with your car as collateral. Have the ...
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| personal loan | 1/8/2007 | Joe Montgomery |
Q: i am wanting to buy a jetski but i wont have all the money so i am going to get a loan for 4000 i ...
A: Due to "equal lending laws", your age cannot be a factor. That being said, I will tell you that it ...
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| wanting to get a home loan | 1/7/2007 | Joe Montgomery |
Q: i have bad credit in the past but nothing in the last 7/8 yrs and trying to obtain a home to be ...
A: The things that mater are; 1. What your credit score is-- 620-800 would be good enough 2. Do you ...
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| home loan - Bad Credit | 12/15/2006 | Joe Montgomery |
Q: I was hoping to buy a house in the next year or so. I have bad credit (a score around 500) and a ...
A: Congratulations on graduation college, and starting a career!! Now you're working on the rest of ...
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| Home loan - Bad Credit | 12/15/2006 | Matt |
Q: I was hoping to buy a house in the next year or so. I have bad credit (a score around 500) and a ...
A: rent generally will not help because most landlords (99 percent) do not report your rent payments to ...
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| credit score | 12/14/2006 | Joe Montgomery |
Q: how do i check my credit score
A: The best way to do this is to go to the source, the credit reporting agencies. Copy the following ...
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| a persrsonal loan with bad credit | 12/9/2006 | Joe Montgomery |
Q: hello joe my name is christi thompson i've been turned down by several lenders for a personal loan i ...
A: Unfortunately, if you've been turned down by several, then there really aren't many options for you. ...
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| Lending to minors | 12/6/2006 | Matt |
Q: Is it possible to add a minor onto a loan as a co-signer? My questions entails a mother (good ...
A: Sadly No, banks will not lend to or put on current loans for anyone under 18. The reason is that ...
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| building credit | 12/2/2006 | Joe Montgomery |
Q: I'm 20 and i don't really know much about credit. I was told i needed to try taking out a loan to ...
A: Usually, you need a 2 year history of credit. You need a minimum of 6 months on a loan reported to ...
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| Personal Loan | 12/2/2006 | Matt |
Q: I am looking to get a personal loan for $4,000.00 to consolidate my debts myself. I have no credit ...
A: you should be able to get a loan with out collateral for that small of an amount. Be prepared to ...
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| how to start | 11/28/2006 | Matt |
Q: Lets say I want to buy a home but have no credit yet how do I get started?
A: you either need to get a co-signer to help you get the loan or start establishing credit now. To do ...
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| BAD CREDIT LOAN | 11/27/2006 | Matt |
Q: I have tried both with no luck. My credit score is 447 I have looked at the report several of the ...
A: you can file disputes with each credit bureau but they are not likely to remove them for the reason ...
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| Establishing Credit History | 11/20/2006 | Matt |
Q: .. I have a question about my credit history... I've been in this country for over 4 years but never ...
A: good day to you! Good job staying on top of your credit, so many people don't ever bother to check ...
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| Bank Loans..... | 11/20/2006 | Matt |
Q: I'M 21 and my husband 23. Were going to the bank tomarrow to try and get a loan for at least 1,500. ...
A: I don't really know how your credit is to give you a good answer. Most banks probably will not be ...
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| personal loan | 11/15/2006 | Matt |
Q: I have a credit score from equifax of 638, from expiriam 659 and from transunion 640. I have around ...
A: Sorry for the delay I have been out of town. Most lenders cap personal unsecured loans at 5,000. ...
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| BAD CREDIT LOAN | 11/14/2006 | Matt |
Q: I am needing a loan in the amount of $2500.00 for the purchase of furniture. I have been divorced ...
A: you will need to get a co-signer. If you can find someone to help you with strong credit that can ...
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| credit | 11/10/2006 | Joe Montgomery |
Q: I've been working over the past few years to increase my credit score (which has been an extremely ...
A: Ususally, most lenders don't lend over $2,000 without a car or som other property as collateral. I ...
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| loan for investment | 11/9/2006 | Matt |
Q: me and a colleague are looking to invest in some real estate by buying a plot of land and building a ...
A: You need to go to your local bank and ask about a Commercial Loan. This is a common thing for ...
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| getting a loan? | 11/3/2006 | Joe Montgomery |
Q: I am looking into getting a personal loan for buying a cheap car and to also help with the costs of ...
A: This is really hard to determine. Most lenders don't like to lend more that $2,000 or so without ...
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| Car Loan | 11/1/2006 | Matt |
Q: I want to get a used car from the owner. She is asking 19,000. I want to offer 18,000. I have never ...
A: with a score that low you can expect to have some trouble getting a loan. If you can find someone ...
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| home loans | 10/17/2006 | Matt |
Q: my husband is 18 and im 17, we have been renting for months and are expecting our first child in ...
A: All parties must be 18. As soon as you turn 18 you will be ok. Banks will not lend to those under ...
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| Unsecured Loan | 10/17/2006 | Matt |
Q: Matt: I have about $50,000 in credit card debt that I would like to consolidate so I am not making 6 ...
A: Your best bet is to try a large national bank like Chase, Wells Fargo or maybe Bank of America. It ...
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| how can i get a loan with bad credit | 10/14/2006 | Joe Montgomery |
Q: where can i get a personal loan for christmas presents formy kids .But i have bad credit
A: This is a tough situation. I have been there a few times myself. My mom and I even had a TV and ...
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| Personel Loans from The Hawkinds Group Ltd Located in Halifax Novia Scotia (Canada) | 10/14/2006 | Matt |
Q: I applied for a personal loan from The Hawkins Group. My Credit is not good. They approved me for ...
A: This is a scam. Stay away from it. I had another person about a month ago asking me about the same ...
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