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Frequently Asked Questions

I've had credit problems in the past, should I forget about buying a home?

Homeloan USA: Catherine Riley
Absolutely not. Call me! We can determine if any previous or current credit problems might disqualify you from applying at this time and provide direction on how you can resolve those problems and improve your credit worthiness. The important thing is to call us. We offer a variety of mortgage programs for people with less than perfect credit, and we will do everything we can to get you the loan you need.
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Bridge View Funding - California Real Estate Financing Exper...
Absolutely not. Call 1-800-921-2102 and talk to one of our Loan Advisors. We can determine if any previous or current credit problems might disqualify you from applying at this time and provide direction on how you can resolve those problems and improve your credit worthiness. The important thing is to call us. We offer a variety of mortgage programs and we will do everything we can to get you the loan you need.
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Frequently Asked Questions (FAQs) : Countryside Mortgage
Absolutely not. Call 1-800-524-2992 and talk to one of our Loan Officers. We can determine if any previous or current credit problems might disqualify you from applying at this time and provide direction on how you can resolve those problems and improve your credit worthiness. The important thing is to call us. We offer a variety of mortgage programs for people with less than perfect credit and we will do everything we can to get you the loan you need.
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I have had some credit problems in the past, can I still be Approved?

Frequently Asked Questions (FAQ's)
long as you have not had any Bankruptcies in the last 10 years, or any Re-Possessions, Foreclosures, etc. in the last 7 years, then you may be approved assuming you meet the normal qualification criteria everyone else would have to meet. If your credit problems are more recent than that, then you probably will not be approved.
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I've had credit problems in the past. How does this impact my chances of getting a home loan?

Mortgage at|vantage - Refinance FAQs
Obtaining a home loan is possible even with extremely poor credit. If you have had credit problems in the past, a lender will consider you to be a risky borrower to lend to. To compensate for this added risk, the lender will charge you a higher interest rate and usually expect you to pay a higher down payment on your home purchase (typically 20-50% down). The worse your credit is, the more you can expect to pay for an interest rate and a down payment.
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I've had some credit problems in my past. Is that a problem?

VHMDIRECT! :: Become an Certified Loan Consultant Today!
We hope you will manage your financial affairs, although we recognize situations do take place that can cause poor credit. We expect all of our Licencees, to perform professionally, legally and responsibly. If you are able to maintain these standards, your credit issues will not prevent you from joining our team.
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If I have some credit problems in the past, can I still get a home loan?

Security First Mortgage Faq
Yes, many lenders specialize in financing for people who have had credit difficulty. Get a copy of your credit report and get negative entries removed by writing to the credit agency. They have 30 days to verify the information or remove it.
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Q: CAN WE QUALIFY WITH PAST CREDIT PROBLEMS?

Frequently Asked Questions
We are finding many borrowers that have rearranged their priorities as well as their spending habits. Many have learned valuable lessons from their bad experiences and have come through their "healing time." They are now ready for home ownership. It is important to note that there is a big difference between a person who had a bad credit experience in his or her life and a person who is a bad credit risk.
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Can I still apply for a mortgage if I've had some credit problems in the past?

Prime Mortgage Group
Yes! Prime Mortgage Group has many, many different mortgage programs available for borrowers with past (or present) credit issues. We specialize in securing financing for individuals with unique circumstances.
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I've had past credit problems, Will I qualify for a loan?

Royal Consultants
Yes! We have loan programs to fit almost any situation, regardless of past credit problems. Bankruptcies, judgements and tax liens...etc, will not prevent our loan experts from helping you obtain approval for the low-interest loan that you deserve. Even if you are in foreclosure, there is a good chance that we can help you.
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I've had some credit problems in the past - can you get me a commercial loan?

Frequently Asked Questions
Yes - as long as you meet the other criteria given above - commercial lenders are generally more flexible than residential mortgage lenders.
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I have had credit problems in the past can you still help me?

Sunset Loans | FAQ
Yes in the majority of cases we can, we have all paid a credit card bill late or a direct debit has not gone out as we expected. Also things that happen in our life can change how our credit rating is seen, this could occur possibly after the break up of a relationship, sickness or even redundancy.This could mean a payment may have been missed or paid late for a legitimate reason.
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Finance Inc : Debt Consolidation, Debt management, IVAs and ...
We have customers who have experienced difficulties in the past and have County Court Judgements, Mortgage Arrears or both. We will listen to each case sympathetically and will do our very best to help.
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Will past credit problems get me turned down?

VNET Entertainment: Credit History is no Problem! Approval i...
No. Past credit problems will not affect you. We ignore the past and start fresh. All that we ask is that you build credit with us by establishing a short payment history. It’s that easy.
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QUESTION: What about past credit problems?

JD BYRIDER Of ALLENTOWN
ANSWER: JD Byrider will look to your future rather than your past. We finance customers who have had past credit problems and want to rebuild their credit.
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Can you finance someone with past credit problems?

FAQs
We understand that bad things happen to good people and we will do our best to get you financed no matter what problems you may have had in the past.
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What if I have had bad credit problems in the past?

FAQ - on our Dreamloan services and loans in general
People who have credit problems are still able to get loans through non-conforming lenders. These lenders specialise in loans for people who do not fit into the prime market. The rates are slightly higher to cover the risk of the lender. Contact Dreamloans for further details.
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I have some credit problems in the past. Can I still apply?

Frequently asked questions on auto financing with Direct Aut...
With over 50 years of automotive industry experience, we at Direct Auto Loan Center are aware that re-establishing car credit can be very frustrating to a consumer. Our lending partners have programs especially designed to help customers that have had credit problems in the past.
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Can I still get a loan if I have had credit problems in the past?

Faqs -questions about personal secured and unsecured loans
YES. Our loans are available to all circumstances regardless of past credit problems or current credit difficulties.
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Guaranteed Consumer Funding
Yes. We don’t turn people down based upon past credit problems. We know how difficult establishing credit can be, or more importantly re-establishing credit that’s less than perfect. Our goal is to make your computer/merchandise purchase as pleasant and as accommodating as possible. You build your credit with us, which can help allow you to build your credit with others.
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I have had credit problems in the past - can I still get a credit card?

Frequently asked questions about credit cards (FAQs)
Yes. If you have had credit problems such as ccjs or arrears there are still companies who will look upon your application sympathetically. They may not give you a large credit limit to start with, but over time this will increase providing you manage your account correctly and help you rebuild your credit rating.
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I'VE HAD FINANCIAL PROBLEMS IN THE PAST. CAN YOU STILL HELP?

Welcome To Click Finance - No Fuss, Just Loans
Our financial expertise means we can even help if you've had problems keeping up payments in the past. We can arrange loans even if you have a poor credit rating, have arrears or a county court judgement (CCJ) against you. In certain cases, but not always, an alternative interest rate may be offered. But it costs nothing to find out what we can do for you. No need to. In the majority of cases, our customers take advantage of a Payment Protection plan, which we can offer you too.
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I've had tire problems in the past. What can you do to prevent that?

National Semi-Trailer Frequently Asked Questions
We understand that tire wear is not only costly to our customers, but can also lead to downtime. With that in mind, we maintain the highest standards with our tire program. Tires are matched to insure a smooth and even ride, within 2/32nds when side by side and within 5/32nds over the same axle. To reduce blowouts, we check air pressure with tire gauges each time the trailer comes or goes from our facilities and use secondary flow-through valves to prevent leaks.
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What if I've had credit problems?

River City Mortgage & Financial & Frequently Asked...
FHA, VA, Fannie Mae, Freddie Mac require that borrowers have re-established their credit for the last two years. The time period begins when the late payments have ended and after everything, judgments, tax liens, etc. have been paid off. Exceptions can be made in situations where there are medical, economic and other circumstances beyond your control.
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