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Joined: 22 Aug 2007
thequeen_jacqui's page
Posts: 1

64 Magic Points

Subject: Home Loan
Posted on Wed Aug 22, 2007 3:07 am  

I have an account on my credit report that was written off by the grantor and it is from 2004. How much will this affect my chances of getting a home loan?


Joined: 30 Aug 2007
cajunbulldog's page
Posts: 35
Location: Louisiana

-10 Magic Points

Posted on Thu Aug 30, 2007 5:44 pm  

The negative will fall off seven years from the date of first delinquency.
Keeping an eye out for consumers.

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

538 Magic Points

Posted on Mon Nov 05, 2007 12:39 am  

If you only have one derogatory, I don't think it will affect it much at all, I have several that I have paid off while in bad standing, they should be dropping off soon, they only way they affect my loan applying process is that I always get a higher intrest rate.


Joined: 21 Jun 2007
Laura's page
Posts: 1327

36459 Magic Points

Posted on Mon Nov 05, 2007 4:12 am  

The higher rate of interest might be due to your score. Your defines the rate of interest. Once you get your credit rating back on track the rate of interest will also fall. Smile

Joined: 11 Sep 2008
kevin's page
Posts: 2

67 Magic Points

Posted on Mon Sep 22, 2008 12:28 pm  

Actually..I am confused with your situation.

Mortgage Refinancing Loan ,
Home Mortgage Refinancing Loan

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