How do i get a credit score

how do i get a credit score

How can I get a mortgage if I have credit score under 400?

Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out. show more Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out having a credit score over 500.

I have a fourclouser on my credit and a really old credit card bill that I refuse to pay. Other then that every thing else on my credit report has been paid. Some late some on time.

I DO NOT want to get a credit card to 'fix' my credit history. I have had those and I do not do well with them. Or a store card either. Or a gas card.

I think things will stay on my credit report for up to ten years but I would like to know if there is a mortgage out there that will give me a mortgage now. Yes I have thought about rent.

Update:

Adam. What is a a self certify, tracker based mortgage. show more Adam. What is a a self certify, tracker based mortgage.

Update 2:

ok OPEN: Why jump all over me. I was just asking for help. I DO NOT THINK I KNOW IT ALL. YES I have had a credit card and I have come to learn that. show more ok OPEN:

Why jump all over me. I was just asking for help. I DO NOT THINK I KNOW IT ALL.

YES I have had a

credit card and I have come to learn that I do NOT need one. I have a debit card Visa card and that is ALL i need.

How can I fix my credit with out findone someone to help me out. Things happen, I am NOT the only one that has gotten in this postion.

Update 3:

I want to respond to why I refuse to pay off the credit card that is on my credit report. I had a credit limit of 300$ It got up that high and I decided. show more I want to respond to why I refuse to pay off the credit card that is on my credit report. I had a credit limit of 300$ It got up that high and I decided that I did not need it any more so I canceled it.

Come to find out a few months of 'paying' on it to pay it off the credit card co. was still charging 'finance fees' to it. after talking to them they informed me they could not completly cancel it untill it was at 0.

I told them the reason I canceled it was cause I could not affored it. To add charges to it would not help me pay it off.

I have spoke to other credit card co and have been told they can stop charging to it it they want.

The credit card bill has gone from 350$ to over 15 hundred dollars.

Pride or not I find this unprofessional and rude and that is why I refuse to pay it.

If they would agree I would pay the original 350$ if they would take off the rest of the 'Charges'

Source: answers.yahoo.com

Category: Credit

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