My LO seemed positive given the estimated LTV and my DTI level after the loan. My midscore (681) seemed adequate but with that said there are some baddies reported such as an old paid judgment (from 2006), two old paid collections (from 2006) and the most recent 30D late in March 2009.
She said all the issues are more than 2 years back so the UW may not need to have those addressed (provide an LOE). Before she pulled my scoresreport I told her what my scores were from another lender last week. Using the midscore I gave her (which was the same as she pulled at 681) she quoted me a 8. 75 fixed, 0 points, 15 year loan if my score was 680 or higher.
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Loans on the higher end of the APR range may be for a smaller loan amount and for a shorter term. Depending on your credit needs and desire to pay your loan off quickly, your lender may only offer you loans with an APR near the high end of the range noted above. This is an expensive form of credit. A short term loan should be used for short term financial needs only, not as a long term financial solution.
Customers with credit difficulties should seek credit counseling or meet with a nonprofit financial counseling service in their community. You are encouraged to consult your states consumer information pages to learn more about the risks involved with cash advances. State laws and regulations may be applicable to your amex personal loan disbursement loan.
If you do not pay your loan according to its terms, your lender may: charge you late fees, send your account to a collection agency, report payments for a 10 000 personal loan bergen county nj information to a consumer reporting agency which may negatively affect your credit score, offer to renew, extend or refinance your loan, which may cause you to incur additional fees, charges and interest.
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