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Frequently Asked Questions

Is my credit history affected when I apply for a loan?

About Us > UK Independent Broker Mortgage Issues
Every time you apply for a loan, a record is made in your credit history. It may harm your credit rating if you keep applying multiple times for loans. Please explain your situation to our advisers and we can help you minimise your applications.
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My credit history is not so good. Can I still apply for a loan?

NYCfNAC
We do not immediately dismiss people with less than perfect credit record. We will try to work with you and explore other options with you. You may pursue your loan application with us as long as you have no outstanding past due obligations, judgements or tax liens.
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PEOPLE AND HISTORY Who is affected by vitiligo?

Vitiligo Support International - Frequently Asked Questions
About 1 to 2 percent of the world's population, or from 50 to 100 million people, have vitiligo. In the United States, 2 to 5 million people have the disorder. It is suspected that some countries may have higher incidents of vitiligo, for various genetic and societal reasons. Ninety-five percent of people who have vitiligo develop it before their 40th birthday, most between the ages of 10 and 30.
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Can I get a loan with a poor credit history?

North Central Washington Business Loan Fund, Wenatchee, Chel...
All loans are subject to review. If there is a reasonable explanation for poor credit history, coupled with recent problem-free credit, or there is a substantial collateral position offered, it may still be possible to offer the loan. Each loan is judged on its own merit and is not subject to point scoring.
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I have a bad credit history, can I still get a loan?

Debt Consolidation FAQs from Credit For You.com
Generally, yes - if you own your own home we can help in most cases. We can organise some good deals to fit your circumstances. We have expertise with bad credit, and we know how to use it! If you are a tenant, don't worry, just fill out our application form, and we will find a lender with a great rate suitable to your circumstances.
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I have bankruptcy in my credit history. Can I apply?

Faqs - Bad Debt Loans
Yes, we help people who have a prior history of bankruptcy. Your bankruptcy has to be discharged before you apply.
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Can I apply with a bad credit history?

uCan Car Credit the car finance company
Yes uCan! As long as you are at least 18 years old and a UK resident, you are eligible to apply for a car loan – even if you have a poor credit rating. Credit is subject to status and income, and is only available on cars sold by us.
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I have limited credit history, can I still apply?

American Business Credit
We prefer you have 3 active trade lines for 36 months or longer on your credit. However, depending on your income and the credit you have established you may qualify for a minimal amount for one of our programs.
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How do I apply for a loan?

Frequently Asked Questions
To apply for financial aid (grants, loans, employment) Undergraduate students should contact the Financial Aid Office at (626) 395-6280 or e-mail them at finaid@caltech.edu and Graduate students should contact the Graduate Office at (626) 395-6346 or e-mail them at gradof@its.caltech.edu to obtain detailed information about our assistance programs and application forms. [Back to Top]
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Campus FAQs
First you must fill out and submit a Free Application for Federal Student Aid (FAFSA) and the results are sent to the school you indicated electronically. Once these results have been received the school can then determine your eligibility.
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Q .My credit history is not the greatest. Can I still get a loan?

Frequently Asked Questions
A . Absolutely! For years, Florida Home Mortgage Loans has assisted borrowers with good and bad credit receive the mortgage loan that meets their individual needs. Bad credit is not a problem, and bad credit does not mean you automatically receive a high interest rate. Our loan professionals will help you to receive the financing you need. In fact we have helped homeowners refinance with FICO scoares as low as 500!
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Can I still get a secured loan with a bad credit history?

Home Personal Loan UK | Secured Personal Loans FAQ - 24 Hour...
long as you are a homeowner and the value of your property is greater than your mortgage (you have equity in other words), a bad credit history won't necessarily exclude you from getting a secured loan. Because the lender has security, mortgage arrears, County Court Judgements (CCJs), payment defaults and other problems, such as no proof of income, are often less of an issue with a secured loan.
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Can I get business loan even if I have bad credit history?

Frequently Asked Questions - Business Loans UK
Bad credit history does not prevent you from borrowing business loans in UK. Businessloans.uk.com can help you in borrowing bad credit business loans at reasonable interest rates.
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Can I get a loan with bad or poor credit history?

LuxuryHomeLoan.net Luxury Home Financing
Short answer: Yes. Long answer, your actual credit history will need to be reviewed in light of what type of mortgage financing you are trying to achieve. We have helped people buy and refinance their homes with credit scores as low as 500 with foreclosures, bankruptcies, and any other type of derrogatory you could imagine on your credit history file.
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Can I get a home loan if I have a bad credit history?

Loans Australia
Yes, in most circumstances you can. There are now non-conforming lenders who specialise in helping people who have lending scenarios outside the normal approval guidelines of the major banks. Non-conforming lenders will allow you to borrow money even if you have had arrears, defaults, judgements, past bankruptcies, have an unusual income source, are self-employed and don't declare much income on paper. It is always worth just asking the question.
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How can I find out about my credit history?

Frequently Asked Questions (FAQs) | Financial Aid | School o...
Since approval of some non-need-based student loans is based upon credit history, you may want to order a credit report if you will need these loans to finance part of your family share. Check the report closely for accuracy and resolve any erroneous information prior to applying for educational loans. The following agencies can provide you with a credit report: AnnualCreditReport.com, Equifax Credit Information Services, 800.685.1111; TRW Consumer Assistance, 800.392.
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Poor Credit History - Which Is Best, A Credit Card Or Personal Loan?

Credit Card FAQs - What If I'm Turned Down?
There was a time when poor credit meant you could kiss any chance of getting credit good-bye. Credit cards were extremely difficult to get if you had any kind of compromising information contained in your credit report. Many things in our lives these days are fast, and that makes for great convenience. We like our food to be fast, our lines to be short, our cash to be instantly accessible at an ATM, and service to be quick. Our TV programs need to be solved in an hour, or two for a movie.
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Is my credit rating affected while my loan(s) is in a deferment or forbearance?

Repayment FAQs
VSAC reports your loans to national credit bureaus every month regardless of the status of your loan(s). Keep in mind that a loan that is past due is reported as past due regardless of a pending deferment or forbearance. Therefore, you should continue to make payments on your loan(s) until VSAC notifies you that your request has been approved. A completed application does not alter the historical record of payments reported to the credit bureaus.
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If i have less than perfect credit, can I still apply for a mortgage loan??

Equisouth Mortgage Incorporated
Yes. If you have credit problems, be prepared to discuss them honestly. At Equisouth Mortgage, we know there can be legitimate reasons for credit problems.
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Do I have to become a member of one of your credit unions before I apply for a loan?

NYCfNAC
Upon applying for a loan, the loan applicant is encouraged but not yet required to become a member of one of our participating credit unions. However, this will be a requirement before the closing and disbursement of the loan, if approved.
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CAN I QUALIFY FOR AN FHA LOAN WITHOUT A CREDIT HISTORY?

HUD - 100 Q&A for Homebuyers
Yes. If you prefer to pay debts in cash or are too young to have established credit, there are other ways to prove your eligibility. Talk to your lender for details.
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Why do Loan Providers put so much importance on a good credit history?

Frequently Asked Questions
When issuing you with a personal loan, loan providers give you credit. They take this risk based on your ability to repay that money. Your credit history shows how you have repaid loans in the past. This is taken as an indication of how you will repay loans in the future. If you have a good credit history, you are considered low risk. A good credit history can help you get more than personal loan privileges. It can also help get loans for those bigger life purchases such as a car or a house.
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Will poor credit history disqualify my loan application?

Small Business Assistance Corporation, Savannah, Georgia
Your credit score is an important part of a successful application. An SBAC professional will review your credit report with you. To evaluate any mitigating circumstances associated with derogatory reports. SBAC will work with you to repair your credit rating if needed.
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What items on my credit history would prevent me from getting a loan?

Answers to financial aid and college planning questions from...
Some derogatory items on your (or your co-borrower's) credit history that would preclude you from eligibility include:
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Can I get a loan if my credit record/personal history is bad?

Kutztown SBDC: Small Business Development Center
the quality of your credit record and personal history declines, so do your chances of getting a loan ? especially if you do not have good collateral. It is important to clear up your credit history and any other outstanding legal issues to the extent that you can. With a shaky history, you may have more success borrowing from individuals than from institutions.
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HOW DOES MY CREDIT HISTORY AFFECT THE LOAN APPLICATION?

Sonoran Mortgage: FAQ
Credit involves the borrowing of funds with the intent to repay the lender at a later date, such as credit cards, a car loan, a student loan, etc. Having good credit lets the lender know you are responsible and can be trusted to repay the money you are about to borrow. part of the application process, the lender will request a credit report from the credit bureau. The credit bureau collects and organizes information about people who have credit.
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Will my credit report/history be used to determine my eligibility for a loan?

Frequently asked questions for TeleWork
Yes. In order for Zions Bank to make final approval for your loan, they will review your credit history. If you apply for a loan, the bank will obtain your credit report.
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Question: I have no credit history. Can I still get a euro1500 no teletrack payday loan?

No Teletrack Payday Loans - FAQ
If you've held a job in the last 3 months, earn euro1500 or more and have a savings or checking account - you will have no problems getting a euro1500 no teletrack payday loan, even with no credit history. Even if, your credit score is 400 or 450 - we can find you a euro1500 no teletrack payday loan within 24 hrs.
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