Free: Contests & Raffles.
So with a 580 credit score what is the current interest rate?
I try not to comment on threads that could affect sponsors negatively. But a person with a 580 credit score should have some serious conditions put on the ability to aquire a home loan. I'm not liking this too much.
When I graduated college, I moved into an apartment and started my first professional job. I moved out a year later and they claimed I left a big stain on the carpet. I didn't and had video tape showing the condition when I moved out. They sold the debt to a collector, same song and dance. They reported it as written off, argued with the credit agencies who did nothing.Anyway, I had lousy credit for years after that and as mentioned it didn't fall off for 7 years until after I bought my house. I had zero debt, great job, pile of cash in the bank and lousy credit.Credit ratings are a joke really. You get a great one by borrowing a bunch of money in a bunch of different ways.
I've helped dozens of people on this forum with my work and honesty and integrity is what I'm about.