Line Of Credit Comparison

At www.equifax.com they have a rate comparison section which allows you to check out interest rates according to your credit score, the terms of your loan or mortgage, and where you live.

2007-02-20 13:41:22 by youraunty

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Can anyone give me the details on obtaining a HELOC? Is there some comparison shopping to do when entertaining the thought of this? I put 1/2 down on a $300K 3 years ago and my credit is good enough to obtain a regular credit card if I apply. How much money could I get and how is the loan repaid? Basicly how does the process work? Any info I can get is helpful!

How much you can get depends on your income, credit score and the value of the home. Many HELOCs are easy to get with your bank if you have a good relationship in place. They'll run your credit, verify your income, do an appraisal (maybe even a 'drive by') and then extend an offer. You can get 90-95% LTV in the best of circumstances.

It would be safe to assume your house is worth $300k. It might be worth more, but in this market I wouldn't count on much more. 5% a year is the historical number, but if you're on either coast or in large urban area, I would bet on no growth in 3 yrs.

So, assuming your credit is great (over 700 middle score) and you owe $150k, your most optimistic scenario would be about $120k on a HELOC.

2008-07-15 08:17:43 by drivedrivedrive

Price: $249.99

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I just checked my credit report, and it's a 589! It said I have 0 negative items, and 27 items in good standing. About 10 out of the 27 items were student loans that added up to about $25,000, 2 of the items were credit cards that added up to $5000. I've never been late on any payments, and I have no idea why my credit rating is poor. Is it because of the ratio of how much I have in comparison to the lines of open credit?? Like, if you oh more than 50% of all your lines of credit, does that knock it down? I'm going to be paying off these credit cards very soon, how many points do you think it will increase once I pay them off? Thanks
thanks wizip for completely NOT answering my question.

First of all you have a lot of accounts -- thats the biggest problem I see here. You should consolidate all your student loans into one -- this will boost your score... also $5000 is a lot of debt to have... a big chunk of your credit score is calculated by what's know as the debt to credit ratio. You should never use more than 20% of your available credit.. This is also impacting your score. There are a lot of things you can do now to help though.. check it out...

# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you

If you credit score is low its probably time to fix it, and a good first step like I mentioned is to start tracking it -- which you can do with some of the links below! =)

Good luck!

2007-06-19 11:12:06 by morningsunshine

Price: $59.95

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completely off the line.
first lets acknowledge that these are 2 very good quarter backs.
but manning is the best quater back today.
you see,with tom brady,its all about basking under randy moss' efforts and glory.as far as credit to the pats is concerned,i give most of it to moss.of course it all gets hyped on the quaterback-who happens to be tom brady.

your opinions on that please...

Brady won three Super Bowls BEFORE he had Moss.

You must have only started watching football after 2004....

2007-12-15 09:45:02 by ROMNEY 2016

Plz girls answer...comparison?
which u girls think r better

1. simple guy, never abuses, respects girls the most,always ready for saving nd helping others, responsible,
shy towards girls, religious, smwhat rude when sees anything wrong with others, tensed, gud looking......,respect others, always confused, remains depressed, humble ,shy to even talk to girls,intelligent



2. stylish guy, abuses the most about girls ...that is about girls wearing and so so so so, help others but pretends to tell others, not shy toward girls,thinks himself as the coolest guy, always ready to get his work done frm others,believes in show religious, takes credit of others in front of teachers, gud in studies, gud in sports, smart, good looking, not at all confused, knows hoe to get work frm others, flirts around with girls , very intelligent




plz answer which one boy u will favour and will line to be ur frnd

plz answer...

1st one is me and 2nd one is one who i know
plz give reasons..................PLZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZZ
2nd guy is commited with a girl for last 3 years...

still he flirts around with many many girls

I'd definitely go for guy number 1 (YOU!)
Here's why:
I think that shy guys are really cute and i usually end up falling for them. Plus i think that you would become less nervous and feel like you could be yourself if you knew me long enough.
Respect is hard to find these days so that's def a plus
I love smart guys just because guys who act really dumb all the time can get irritating.
Basically everything you said was really good but you did mention some bad points which proves that you're also honest. And being good looking is just a bonus!


I despise cocky,arrogant dudes who think the sun shines out of their ass.
You're definitely the winner here,by a long shot actually.
I'd definitely date you over contestant number 2. =]

2009-08-10 11:57:59 by cool