How To Improve Your Credit Rating

Good Credit Not A Luxury  Regarding Good Credit Not A Luxury: In today's world, good credit is not merely nice to have. It is "a must have". Your credit scores is a reflection ...

Contact Kate Help For Homeowners  Regarding: Contact Kate Help For Homeowners Here is an email I received at Ask Kate from a Reader who echoes my goal of empowering homeowners to learn ...

Ask Kate Will Debt Raise Credit Scores  Question: Ask Kate Will Debt Raise Credit Scores To Owe or Not to Owe That is the Mortgage Question! How exactly does the credit score affect the possibility ...

Strategies For Credit Scores From Contact Kate  Strategies For Credit Scores From Contact Kate: Kate, My question is about my husband's credit score vs. my credit score. My husband has worked really ...

Credit Repair Help  Hi Kate, I need credit repair help . After divorce I was forced to file bankruptcy. I had wonderful credit and my husband took advantage if it. Debt ...

Credit Freeze And Joe Public  Regarding Credit Freeze And Joe Public: The credit freeze, is it a good thing? Just wondering what people thought of the idea that the current credit ...

Jargon Free Effective Credit Repair  Ask Kate Jargon Free Effective Credit Repair : Hi Kate, How do I increase my credit scores and get a mortgage? I am 70 years old, I don't want to live ...

How to Refinance a Good Mortgage Gone Bad  Ask Kate how to refinance a good mortgage gone bad: Kate, While trying to refinance my mortgage, I have been working with one lender for over a month....

Notice of Federal Tax Lien Causing Home Buyer Hiccups   Ask Kate about Notice of Federal Tax Lien Causing Home Buyer Hiccups: Kate, Our mortgage lender assured us we would be able to close on our home until ...

Do Quit Claim Deeds Protect Credit Score Ratings  Ask Kate do Quit Claim Deeds protect Credit Score Ratings: Kate, I am preparing a quitclaim deed from myself to my husband on a condominium we both own ...

Mortgage Refi and FICO Score Calculation  Ask Kate about mortgage refi and FICO score calculation: Kate, My husband and I recently applied to refinance our house. When the broker pulled our ...

Buying Another Home After Foreclosure  Ask Kate about buying another home after foreclosure: Kate, We lost out home due to the sub-prime loan practice, and are considering another home. I'...

How To Reduce Debt How To Pay Off Debt   Ask Kate how to reduce debt and how to pay off debt: Hi Kate, Help! I pay my bills on time but divorce recovery has my middle credit score at 680. I ...

Credit Score Ratings and Quit Claim Deeds  Ask Kate how Credit Score Ratings and Quit Claim Deeds are connected: Do Quit Claim Deeds save my credit rating? Is there any criteria in which the lender ...

Short Sale vs Foreclosure  Ask Kate about Short Sale vs Foreclosure - Did short sale mess with my credit scores? Hi Kate, Even with excellent credit, we can't refinance due to ...

First Time Home Buyer Advice  Ask Kate for first time home buyer advice regarding income and credit: Dear Kate, I've been searching and searching the internet for an answer to my ...

FHA Short Refinance  Ask Kate about FHA Short Refinance: I am a responsible home owner who would like to take advantage of today's historically low mortgage interest rates....

Short Sale Process  Ask Kate for help with short sale process: Hi Kate, My husband lost his job in January. We have never missed a mortgage payment and have outstanding ...

Foreclosure Alternatives  Ask Kate about foreclosure alternatives and short sales: Hi Kate, I received a quit claim deed for my home in a divorce three years ago. Now I need foreclosure ...

Credit Score Rating  Ask Kate about a second credit score rating before closing: Hi Kate, My mortgage process is going along smoothly. The bank ordered my appraisal and said ...

Deed In Lieu Of Foreclosure  Ask Kate About Deed In Lieu Of Foreclosure: Hi Kate, My house is up for sale because I have to move by this summer. What if my house doesn't sell by ...

Debt Relief Programs  Regarding debt relief programs: Hi, Kate After completing 3 international adoptions over the past 11 years, we owe $63,000 in credit card debt and a ...

Quit Claim Deeds  We are going through financial difficulties. We just heard about quit claim deeds. If you file a quit claim deed, will the bank (if they agree) take title ...

Quit Claim Deed  Ask Kate: Will a quit claim deed help to save the credit score of a co-signer? My mother co-signed on my mortgage several years back at the suggestion ...

Mortgage With Fair Credit Score Ratings  Ask Kate: How To Get A Mortgage With Fair Credit Score Ratings Hello Kate, My wife and I currently own a townhouse worth $170,000 with houses selling ...

Mortgage Modification and Manufactured Homes  Ask Kate: Mortgage Modification and Manufactured Homes Hello Kate, my husband lost his job back in January. He is 63 years old. We have been living in ...

Quit Claim Deeds and Real Estate  Ask Kate: Quit Claim Deeds and Real Estate Question Kate, I made a huge mistake a few years ago and gave up interest on a condo without doing anything ...

Credit Score Ratings  Ask Kate: Credit score ratings - Oh no! I missed a payment. Hi Kate, How will one late mortgage payment affect my credit score ratings? Just this month ...

Refinance After Bankruptcy  Regarding Refinance After Bankruptcy : My husband and I built a house in 1996. After running into financial difficulties and filing bankruptcy 5 years ...

Credit Rating For Spouse  Regarding Credit Rating For Spouse: My husband has great credit and I don't. Can he apply for the mortgage in his name only? We are in Canada if that ...

Consumer Credit Help  We need consumer credit help . We applied for a US credit card from a large department store last summer. When we received the monthly credit card statements,...

Mortgage Loan Modifications  Regarding mortgage loan modifications Hi Kate, it's me again. My question is What can I do? I have tried refinancing but there are so many foreclosures ...

Mortgage Loan Modification Answers  Looking For Mortgage Loan Modification Answers: Hi Kate, I have been looking into a mortgage loan modification and we are finding that there's a lot ...

Ask Kate About Mortgage Loan Modification  Ask Kate About Mortgage Loan Modification Can you clarify a couple of questions on mortgage loan modification? My hair dresser is upside down on her ...

Mortgage Stimulus and Mortgage Loan Modification  Regarding Mortgage Stimulus and Mortgage Loan Modification: I have looked all over the internet to find out how this new mortgage stimulus will help ...

Mortgage Credit Rating And Credit Score  Regarding Mortgage Credit Rating And Credit Score: Hi Kate, I have a question about my credit rating. I married my wife shortly after she purchased a ...

Mortgage Loan Modification For Subprime  Regarding mortgage loan modification for subprime: Dear Kate, I am not late on any monthly house payments but can no longer afford them. My loan is an ...

Homeowner Needs Fixed 30 Year Mortgage  Regarding Homeowner Needs Fixed 30 Year Mortgage: Hi Kate, I borrowed $412,000 with a negative amortization mortgage loan two years ago. I now owe $441....

Improve Credit Rating To Buy A Home  Regarding Improve Credit Rating To Buy A Home: I am trying to buy a home but I need to improve my credit rating and score by 20 points. A public records ...

How To Cinch A Refinance  Ask Kate: How To Cinch A Refinance - Credit! Hi Kate, In November 2007, we closed on our house. Because I was relocating to a new area to be with my ...

Credit Freeze Hurts Independent Contractor  Regarding Credit Freeze Hurts Independent Contractor: I've been hurt by the current credit freeze mainly because others have also been hurt. Personally ...

Protect And Improve Credit Rating  Regarding Protect And Improve Credit Rating: Everyone agrees paying your bills on time will improve your credit rating, right? But what would you do ...

Refinancing Advice From Succesful Homeowner  Refinancing advice from a successful homeowner who has discovered the key to refinance -- A good credit rating! It's great to hear a success story in ...

Credit Freeze Thoughts  Regarding Credit Freeze Thoughts: Hi Kate, I work in a business that is effected by the Credit Freeze. The main concern will be the holiday shopping ...

Credit Freeze  Regarding the Credit Freeze: The subprime meltdown overflowing into a mortgage crisis and credit crunch is followed by almost one trillion dollars earmarked ...

Getting Ready To Refinance  Ask Kate: Getting Ready To Refinance Dear Kate, We are almost ready for refinancing our home and first of all I just got my credit scores and am surprised....

Ask Kate Homeowner Foreclosure Question  Ask Kate: Homeowner Foreclosure Question My sister and I own our house together. We each pay half of the mortgage. We are now one month behind for September ...

Letting Bank Foreclose  Ask Kate: Letting The Bank Foreclose We have been in our home for a little over four years. We are now looking to move but cannot continue to make payments ...

Improve Credit Rating Settle Credit Card Debt  Regarding Improve Credit Rating And Settle Credit Card Debt: Hi Kate, how can I improve my credit rating? I'm attempting to settle an old debt with a ...

Need Help To Improve Credit Rating  Regarding Need Help To Improve Credit Rating: Kate, can you help me improve my credit rating? I'm a college student that thought it would be a great ...

Looking For Credit Repair Secret  Ask Kate: Looking For Credit Repair Secret Kate, is there a credit repair secret to fixing bad credit? I have been trying to repair my credit for three ...

Improve Credit Rating After Bankruptcy  Regarding Improve Credit Rating After Bankruptcy: I was recently divorced and because of the debts of my spouse I unfortunately had to file bankruptcy....

Improve Credit Rating After Foreclosure  Regarding Improve Credit Rating After Foreclosure: Kate, What is the best way to improve your credit rating after a home foreclosure? And is it possible ...

Best Mortgage Advice How To Fix A Credit Score  Regarding Best Mortgage Advice How To Fix A Credit Score: Kate, I'm a student, and during my wild years in school I've managed to rack up a fair amount ...

How Much Foreclosure Affects Credit Scores  Ask Kate: How Much Foreclosure Affects Credit Scores Kate, how much will foreclosure affect a credit score? I know more than one person facing foreclosure ...

Mortgage Advice About Shaky Credit  Regarding Mortgage Advice About Shaky Credit: Kate, how does a non traditional home buyer with shaky credit get a mortgage? My husband and I do everything ...

Contact Kate For Strategies To Buying A First Home   Contact Kate For Strategies To Buying A First Home: We're buying our first house and have mortgage questions for Ask Kate! We are preparing ourselves ...