There are many well known banks like BOA, Wells Fargo, World Savings offer very easy home loans at affordable rates of interest. But they prefer to deal with only those consumers who have ‘A' class file. These are such files that have a credit score more than 620-660+. A consumer qualifies for a loan if he has a minimum score above 500. Thus, resembling the importance of high credit scores, most people with poor credit scores shop for a lender or a broker to get a decent rate. This is the point where they are often scammed and the brokers or loan companies deceive people by all means.

I want to buy a home but lenders are asking for a sample letter of credit? Does anyone know what that it? If someone can help me, I will be really greatful.

Don't make these mistakes while you are repairing your credit:

• Never give information more than required. Unknowingly, some verifications will be done that might put a negative impact and will be tough to remove later.
• Do not close your accounts unless it is urgently required. These open unused accounts may be helpful to you later.
• Do not dispute with positive information. They may get deleted faster.
• Don't make correspondence with debt collectors, creditors or the credit bureaus over the phone. Always prefer a written contact.

I keep getting calls from this number but they never leave a message. (702) 699-7915. Does anyone know of this number. Any help would be great. Thanks.

I made an online bill payment through my bank on Oct 1. The company to whom the bill was paid posted it on Oct 06. it was one day after the deadline. They added a late fee on it and upon my notification of the payment made well before the due date, they gratefully refunded it. I wonder why it took 5 business days to get the money transferred from one computer to another computer. The money was sent from my account on the 1st. my bank was fast enough to send the payment but the receiving end was pretty slower. Has anyone gone through this problem and have a solution.

what type of debt do you consolidate?

You need to be very careful with your approaching AAC. Personally, I stay off the phone, period! Everything I do is in writing and sent CMRRR. The descriptions of avoidance after verbally asking for proper validation are indicative of AAC's lack of proof or their realization that they make more money by simply moving onto a more acquisant and accomodating "debtor." I suggest that anyone dealing with AAC, or any collection concern do the following: [list=1]

Stay off the phone no matter what. If they call, don't answer.

Is there a phone numbe were i can contact someone directly?

How long does it take to end a consolidation program?

If I opt for a settlement program, knowing it is bad to my credit, who controls the funds that have been kept in the account for the creditors?