Real Estate Credits

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A bankruptcy can remain on your credit report for up to 10 years. Below is the key indicating what these letters mean: J = Joint I = Individual U = Undesignated A = Authorized User T = Terminated M = Maker C = Co-maker or Co-signor B = On behalf of another person S = Shared In addition to the above coding, you will also find alphanumeric coding used to record the type of account and your payment history. If your credit report has dings on it, meaning you have one or more late payment notations, written off accounts, a judgment, lien or a bankruptcy notation, you can still improve your credit. Remember -- about 75% of those who co-sign wind up paying some or all of the debt owed. A higher debt-to-income ratio can result in their having to pay a higher interest rate for their own financing! It might be a better idea for you to put off a purchase until such time that your credit is good enough to obtain financing on your own. (3) Information about criminal convictions may be reported without any time limitation. Therefore, if you are shopping for a mortgage loan, you should do all of your applying with various lenders within the same week to protect your credit score. You better hope you don't need to buy a new car yourself since you will be turned down because you have

 

 

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