Most of the people are confused whether a mortgage pre-approval is necessary to make an offer on a house. I would like to make it clear, a pre-approval is not always a compulsory process. But, we should note, basically, a mortgage pre-approval letter is a guarantee from a lender that it's willing to finance your home purchase up to a certain dollar amount. So, here lies the importance of the process. The situations in which a pre-approval letter is not necessary are: 1. If you are paying the hard cash so that you don't need a loan 2.

Hi - All I received from the law office giving me a response was copies of credit card bills. Nothing stating they were the authorized agent or license numbers. What are they required to give me as proof?

How do you pay credit card bills? Do you mail the check or do you transfer from the CC account?

What are the repercussions of paying off a new loan early? I have taken out the loan in November 2017. Planning to pay it off. It's a small loan.

TD bank is suing me for $1750 for my target card. I ran into financial hardships and was unable to pay my card and it got closed. I lived in florida for 4 months and then moved back to indiana. They sued me in Florida in February 2018. I have not lived in Florida since August of 2017. I was not even aware of the court case. I only found out about it because I received a solicitation letter from a law firm who reviews court records to find potential customers. The court documents I was able to view online said I can request a change of venue 7 days before court date in writing.

Can I pay tax from outside US if I have moved out?

One of my debts has been dent to colelctions. The collection agency contacted me and while talking to them, they've agreed to settle a debt and I have to give 70% of it. I have 2 questions: 1. I am somewhat sure that the debt is mine but is it necessary to verify the debt? 2. is it wise to agree to the offer?

How long does a closed credit account stay on credit report? Is there any possibility that it would drop off early?

Which FICO score model does the mortgage lenders use?

Do you know any licensed insolvency trustee that can help me regarding with my debts? I want to have a consultation so that I will not be worried anymore about my debts. Thanks.