is 500 a good credit score

Submitted by tnlow206 on Tue, 02/03/2009 - 14:02

Is credit score of 500 a good credit score for buying a home?

Not really. You can still get credit in this scoring range but you can expect to pay a very high interest rate. A score of 580-619 is not too bad ...620-679 is an okay score...anything above that puts you in the good catergory. Hope this helps you.

Wed, 02/04/2009 - 02:08 Permalink

No, it is not possible to get a home loan with a score of 500 and so you should first repair your credit and then go for a home loan. If you can take your credit score, to 600 and above, you can expect to get a loan but that too with a very high interest rate. A score of 720 and above is considered a good score for getting a home loan. With such a score you can expect to get a loan at attractive rates.

Wed, 02/04/2009 - 09:27 Permalink

Do not let the idea of credit repair scare you off. You should try to do some repairs to your credit yourself. There are numerous things that can be done but we would have to know more info.

Thu, 02/05/2009 - 00:13 Permalink

You can learn a lot through the process and honestly it makes you keep it cleaned up also, after you see how hard it is to clean it up. There are many of us here who have been through it, it can be done. It is a long process. Goodluck, if you have questions on what to do, post them here and some of us will come on and help you out.

Thu, 02/05/2009 - 02:40 Permalink

I have never had to repair my credit so where would be the best place for the poster to start? I would think pulling their report and looking over to see if all the info is correct and then disputing in correct info. What confuses me is the hard and soft inquires. What effects they hold and which are allowed to stay on your report.

Thu, 02/05/2009 - 19:41 Permalink

I have a friend that deals with mortages. We've been talking ALOT about the economy, etc. He's been telling me that 'his' company won't even consider a Credit Score of less than 620 to those who want to finance a home. Yea.....I DO agree with the above posts....try and improve your score and THEN try and buy a home.

Fri, 02/06/2009 - 03:04 Permalink
Nancy (not verified)

i have a credit score of 612 and i would like to be atleast 700. What exactly can i do to get a good score, or how can i repair it? what steps can i do myself without getting agents to help me?

Fri, 04/10/2009 - 18:28 Permalink

In order to improve your credit score, you need to build up your credit history. For this all you need to do is to make regular purchases with your credit card and pay it off within the due date. Moreover, you should not become delinquent on the existing loans and you should not spend more than 30% of your credit card limit. Since your credit score is above 600, you can easily take it to 700 within a year or so.

Sat, 04/11/2009 - 09:16 Permalink

Yes, but in addition to the points mentioned by Carol, you should also try to remove the negative items from your credit report like unauthorized hard inquiries and delinquent debts. To remove the hard inquiries you should send letters to the inquires asking them to verify your authorization or remove the inquiry from your report.
Now, if you have a delinquent debt in your credit report, you can send a debt validation letter to the creditors and on getting the debt validated, you can negotiate for a PFD agreement and pay off the debt through a repayment plan so that as soon as you pay off the debt in full, the negative item gets removed from your credit report.

Sat, 04/11/2009 - 10:26 Permalink

500 is not a good credit score .Credit score is required when one need to uplift one's credit in order to avail any loan specially the mortgage.

So if you are curious about purchasing a new home then it is required that you should seriously give a consideration for increasing your credit score.

Sat, 04/11/2009 - 14:27 Permalink

Oh..yea....good advice from everyone. Also........have you checked your Credit score lately, OP? You may want to check when some of the 'fall off' dates are on your debts. Each time the debts 'fall off' your score does go up a few points.

Sun, 04/12/2009 - 16:30 Permalink
SICOFCREDIT (not verified)

I think the time of the Credit Score needs to be expunged from the lives of Americans. There needs to be a more honest way of gaining loans without the anti-constitutional use of Credit in our society. Credit companies like trans-union and the like, need to be put out of business, they are really illegal under the constitution of the united states because they are an institution that invades peoples rights to privacy. I don't know what the answer is, but Credit in its current form needs to be stopped!

Wed, 07/22/2009 - 18:22 Permalink
Anonymous (not verified)

I thnk so too, credit scores are draining people that are decent, look how many forclosures there are and people had good scores its a bunch of crap

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Tue, 08/20/2019 - 04:29 Permalink
Gibson Tim (not verified)

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Tue, 08/20/2019 - 21:03 Permalink
spanishwomenaus (not verified)

But online dating services might not think so

numerical matchmaking sounds like a modern method for finding love. in fact,truthfully, It predates dating web sites, laptop, the concept of statistics, or possibly Europe. The practice goes back to 1500 BC and the structure of the four Veda scriptures, a part of the ancient Indian religion of Brahmin that later became Hindu. insurance coverage rules governing Western astrology are open, Discoverable, And thus easy to ridicule, Vedic astrology as in the past practiced was esoteric. skillsets was passed among a small, Elite group with intimate information about the ancient Veda texts. These Brahmins had a monopoly on this company of drafting personality profiles, otherwise janam kundalis, Which all well parents had to have before they could arrange marriages for their kids.

Vedic astrology puts forward a numerical explanation for human personality that has logical and weighted underpinnings, Even if it is fabricated. the heavens have no conscious benevolence or animosity; They merely send forth bad and the good radiations. Of his or her selves, These do not help or harm man, But offer a lawful channel for the outward operation of cause effect equilibriums which each man has set into motion in the past. Most of us in scientifically advanced societies view arranged marriage as an inherently chauvinistic practice seeing as its goal an exchange of daughters (most commonly) For property or alliance formation and quite separated from anything resembling love. The history of the practice in the west would support that view. But janam kundali matchmaking in India, Which is still expert today, is less transactional. match ups is the goal. Vedic matchmakers consider dozens of elaborate weighted variables for a predictive model. It thought that a promised pair should share at least eighteen matching points in their thirty six point gun milan, in conjunction with moon position. All of this formulation is based on careful watching with interest of planetary movements. in recent times, Many Indian couples who were married according to Vedic tradition swear by the practice and have long, Stable relationships to bolster their case.

That not to say tranny and other for pairing people holds up to any sort of serious scrutiny. The endurance of arranged Vedic marriages has nothing to do with moon position but with partner commonality. Social convention biases the results because throughout most of Indian history it was customary for everyone to marry within their caste. This ensured that couples had similar socioeconomic backgrounds and a wide web of mutual affiliations, Two factors that have been shown be predictors of marriage longevity. and as well,as well as the, it goes without saying, Divorce was not really an option.

on the market now, We use better instruments and technical math to map the movements of planets. While the joy of physics has yet to reconcile the divergent equations of Sir Isaac Newton with those of Albert Einstein, It has given us a serviceable comprehension of how matter and energy interact. There exists neither a plausible theoretical basis any evidence support the idea that the positioning of the moon, the, Or Neptune on the day of a person birth will have any measurable effect on her unique character, online dating, Or one's destiny.

In many ways, scientific research has triumphed over superstition. But in the crucial ways, the potency of the esoteric has only grown. Humanity is even more open to the very thought of matchmaking by math, Even math we don learn, Than we were thousands of prohibited. to date, No online matching site has demonstrated the prosperity of their algorithm in any way that would allow an independent skeptic to check their work or repeat their results.

The one online dating site that is relatively open about their matching methodology is the very popular OKCupid. the device uses two scores: How you respond to your questions and the importance you place on a potential mate response to the same questions. The more issues you answer, The more info,additional info the system has to improve its matches. Answers here range from to indicating that the user does not want to be matched with individuals who avoid that question. The point value is logarithmic so the values increase significantly as opposed to linearly.

essential is this question to you?To calculate how well you match with another man, the system takes your scores, The scores of your other half whose profile you viewing, multiplies these together, And cute spanish girls takes the sq,rectangular root.

the prosperity of this service illustrates how readily we give up extremely compromising information when asked. reasonably priced tech coverage and scrutiny are given to Facebook for making minute changes in privacy policy than are given to sites like OKCupid, Though the user submitted material in OKCupid databases makes the standard Friday night Facebook post look positively Amish. When users tell their intimate tips for OKCupid, They do so with an requirement of privacy. But the site re a surprisingly large amount of very sensitive information gleaned from questions such as drug habits and sexual orientation, by way of (when i bought it of this writing) Nine different data shops such as PubMatic, Lotame, google DoubleClick, Nexus, And myspace. If you leave OKCupid of your accord, You don get your computer data back, many times. Primary breakdown was an imbalance of parties. As Rudder looked at, Drive interactions in online dating service personals. Our data declare that men send nearly 4 times as many first messages as women and conduct about twice the match searches. as a consequence, To examine how the problem of ghost profiles affects the men on pay dating sites is to examine their effect completely system. He had something different of heart about paid dating.

Think that there was a time where I believed that dating would be a winner take all market in exactly as Craigslist, in addition to ebay, PayPal, Were all winners take all marketplaces. I think dating differs, He informed me.

In his first post on the blog, Titled dreams and Hygiene by State, Which showed a state breakdown of people who answered questions on their willingness to act out rape scenarios in bed at a partner request, OKCupid cofounder Chris Coyne boasted your utility of OKCupid as a living social science lab: your media could only get 3,050 people to answer a poll about Obama. And it was enough to call the election with full confidence. OKCupid, to the contrary, Can ask the world most personal questions and get thousands and thousands of answers. As a website, Is indeed a attention seeking tool for measuring the attitudes, philosophy, And sexual peccadillos of many people. Finkel and his peers show that at best, Even very good online dating sites can help you rule out whom not to go on a date with, But can tell you if the person you on a date with is at all likely to become your lifelong partner. furthermore, It can give you any advice on making that association stronger.

Here why relying on profile match-ups alone doesn work. When agents are free to buy potential matches from a menu of profiles, Certain profiles receive significantly attention than others; And the most common a person profile, the longer messages, Chat tickets, And wedding invitations she receives, The not as likely she is to answer any of them. as a result the best candidates feel overwhelmed and don want to participate in the network, And a lot of lesser applicants send out requests that aren answered. Eventually, They lose interest, absurdly.

might be call this the prettiest girl syndrome. It really just the social outward exhibition of survival of the fittest. From an evolutionary perspective, It makes perfect sense that we would constantly seek to associate with those who find themselves a bit out of our league, Even when sexual duplication isn an issue, But we don would like to be so outside our league that we give up any shot of scoring. online dating sites mask the true odds.

Christian Rudder has credited that the online environment makes the prettiest girl syndrome worse. Got to make sure certain people don get all a persons vision. in a long bar, It self improving. You see ten guys rank around one woman, Maybe you don walk over and try show them yourself. on the internet, People haven't a clue how a person is. We find what on paper looks best. But with online dating, There an added impression of one bonding. When we happen upon a profile that speaks to us we feel like we getting to know someone somebody in charge of, totally. We can observe that dozens, Perhaps hundreds of people are having the same reaction to the same profile. Dating Web sites gives more value if they could predict which profiles were going to get the most attention. essentially the score that really matters, And we barely begun to learn how to tally it.

Mon, 10/21/2019 - 20:41 Permalink
Kathy Fiona (not verified)

I love the Credit Report Card beta program Mr Hugh Fisherman introduced to me and my husband. The stoplight metaphor is wonderful and easy to understand. Your explanations for positive and negative scores and the little doses of reality are great! I finally understand how the score is determined! I like how you have links to explanations and easy to read articles after each section. Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement. I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area. I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore. I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score. Mr Hugh had to access my account and study credit history and cleared an overdraft of $3,400 on my account which a scammer massed up my checking account. join him on Telegram @hughfisherman 984 226 8349

Tue, 10/22/2019 - 21:40 Permalink
Kathy Fiona (not verified)

I love the Credit Report Card beta program Mr Hugh Fisherman introduced to me and my husband. The stoplight metaphor is wonderful and easy to understand. Your explanations for positive and negative scores and the little doses of reality are great! I finally understand how the score is determined! I like how you have links to explanations and easy to read articles after each section. Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement. I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area. I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore. I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score. Mr Hugh had to access my account and study credit history and cleared an overdraft of $3,400 on my account which a scammer massed up my checking account. join him on Telegram @hughfisherman 984 226 8349

Tue, 10/22/2019 - 22:01 Permalink
ukrainewomenrdv (not verified)

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Sat, 10/26/2019 - 05:07 Permalink
Christy M (not verified)

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Sat, 10/26/2019 - 18:45 Permalink