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Mortgage Credit Issues

Questions About Credit Reports, Credit Scores and Related Issues

What Is a Credit Report? Where Do Errors in Credit Reports Come From? How Do You Get Errors Removed? What Is a Credit Score? Will the Passage of Time Improve Your Credit Score? How Much Debt Is Too Much?

When Someone With Good Credit Marries Someone With Bad Credit and They Wish to Buy a House Together, What Are Their Options?
Can the Spouse With Poor Credit Be an Owner, Even Though That Spouse Is Not a Co-Borrower?

What Is a Lender Looking For When He Asks a Loan Applicant Who Had Been in Bankruptcy to Explain the Reasons For the Bankruptcy?

What Are the Hazards of Co-Signing a Note?
How Do You Terminate a Co-Signing Responsibility?

Are There Any Reasons Why Someone With Bad Credit (But With Money in the Bank) Should Not Purchase a House For All-Cash?

Why Is it That Paying Off Delinquent Loans Does Not Improve Your Credit Score? What Credit Card Practices Are Consistent With the Highest Credit Score?

Will Paying Off a Loan After Only a Few Months Adversely Affect Your Credit Rating?

How Do You Arrange Your Shopping So That the Credit Inquiries Made by the Lenders You Approach Do Not Adversely Affect Your Credit Rating?

Under Conventional Payment Rules, What Happens When a Borrower Skips One Payment But Stays Current Thereafter?
What Are the Advantages and Disadvantages of This Rule?

Why Do Lenders Care Who Makes the Mortgage Payment?

Is Credit Scoring Fair to Minorities?

Why Do Rising Rejection Rates During 1993-98 Indicate a Greater Rather Than a Lesser Willingness by Lenders to Make Loans to Disadvantaged Borrowers?

What Is an "Authorized User" of a Credit Card? How Does a Delinquency of the Principal Card Holder Appear on an Authorized User's Credit History? What Can the Authorized User Do About it?

Does an Exceptionally High Credit Score Command an Exceptionally Favorable Price?

How Does the FICO Genies Who Scores Your Credit Determine Whether You Have Too Much Debt?

Can You Get a Mortgage With a FICO Score of 450?

Are Credit Problems Cured by the Passage of Time?

How Do I Manage Credit Cards to Raise My Credit Score?

Why Do Employers Check Credit?

Does a HELOC Adversely Affect Your Credit Score?

MY QUESTION IS NOT HERE. I WOULD LIKE TO LEAVE IT FOR THE PROFESSOR