Posted on: 18th Jan, 2011 11:56 pm
I am not sure if anyone would be able to answer my questions or if I am even in the right area but here goes.
Five years ago I went through a divorce which left some credit issues. Because my name was on the paper work I was dinged. He filed bankruptcy and because I worked for him I wasn't in the position to file.
After the divorce I went back to school and just recently graduated. I have also just been hired as an RN full time. I have kept my other job doing customer service so that I can add that to my application.
In the last 5 years I have paid my bills and have not used credit cards. The only credit card I owned was prior to my divorce which I had been unable to pay due to barely surviving on my meager 300 a month income while in school. The credit line was for 300. I contacted them to work out a settlement. I owe the money and feel it's my obligation to pay it.
I am looking at a cheap mobile home that is listed for about 10,000 and would have 20% money down by May. I want to put an offer on it but I am afraid that I will not be approved for a loan. I do not know my credit score. I only know that according to my credit report I have 15 negatives and 27 positives.
Any thoughts?
Five years ago I went through a divorce which left some credit issues. Because my name was on the paper work I was dinged. He filed bankruptcy and because I worked for him I wasn't in the position to file.
After the divorce I went back to school and just recently graduated. I have also just been hired as an RN full time. I have kept my other job doing customer service so that I can add that to my application.
In the last 5 years I have paid my bills and have not used credit cards. The only credit card I owned was prior to my divorce which I had been unable to pay due to barely surviving on my meager 300 a month income while in school. The credit line was for 300. I contacted them to work out a settlement. I owe the money and feel it's my obligation to pay it.
I am looking at a cheap mobile home that is listed for about 10,000 and would have 20% money down by May. I want to put an offer on it but I am afraid that I will not be approved for a loan. I do not know my credit score. I only know that according to my credit report I have 15 negatives and 27 positives.
Any thoughts?