Basically, what keeps it from going down? And what makes it go up? I’m new to the whole credit card thing. I just turned 18 and only have one Visa from Wells Fargo. I’ve only had 3 bills and I’ve paid them all in full the first cycle each time. I’ve now encountered my first bill where I will not be able to pay the full amount outright on the first cycle to get it back to a $ 0.00 Outstanding balance. If the bill is say…$ 700 and the card itself has a $ 1200.00 limit, How much should I pay off now? If I don’t pay it off in full now, will my credit score go down? Minimum Payments are $ 25, but I doubt that’s a good idea either. Please help get me out of the dark on this. Thank you all!
Jun 262011
I am applying for a first time home buyers mortgage, and the bank (Wells Fargo) ran my credit. At about the same time, I ran my own using freecreditreport.com and got all 3 credit bureau reports. The Credit Score the bank is reporting is almost 100 points less than any of my credit scores I [...]
I have had a home loan with wells fargo for 2 years and I need to refinance. I did not have this insurance the first time and now they want to add it.
I am so far in debt it is ridiculous. It has reached a point of panic for me. I am looking for a debt consolidation company that is trustworthy. Do you know any? There are too many consolidation places out there that are nothing but a scam. I have heard stories of these places paying [...]
I have an ARM mortgage through Wells Fargo and my rate will be adjusting up 1.25 points at the beginning of next year. When I bought my home I received 100% financing but with declining market values I do not have enough equity to qualify for a refinance at this time. I called Wells Fargo [...]
Iam being reviewed for a home loan modifcation and i am 6 months behind on my home loan, whats going to happen? My job has fully recovered and we are back to normal hours, Has anyone been in this situation where they get a lower payment and for how long? My payment was 995.00 each [...]
My home mortgage loan with a fixed interest rate (5.75) expire next month and it will become variable for the next 20 years. My house has no equity and To be able to refinance, my Bank (Wells Fargo) is asking me for 20% Down payment (money that I don’t have). I’m worried that my new [...]
It is for a condo that FHA is Not avail, so can not get a conv. mortgage and the loan points add up(in FL) as to make it not available for a mortgage, its priced too low. Any suggestions? I have spoken to a mortgage lender, broker and wells fargo. They say it can not [...]
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