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Старый 24.05.2018   #1
connorcruise123
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Регистрация: 16.05.2018
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По умолчанию bad credit score. help!

Hello,

How does credit scoring work? I recently applied for a home loan to buy an apartment, but I had a bad credit score and my loan was declined. It came back saying that I had an unpaid debt and that’s why they couldn’t approve me. I thought that everything was in order. I have a good job, work as a P.D.H.P.E teacher and have been doing so for over 2 years. I started out doing a lot of casual teaching work and slowly found a full-time position.
I have saved around $24,000 and now want to buy an apartment for around $240,000. I looked at a few banks and made a few loan enquiries, but I ended up applying with the bank that I’ve been banking with my entire life, so I thought that I would have a good chance of getting approval. When I submitted my application, I knew that I had a small default on a phone bill ($1200 unpaid to a Telco company). But I didn’t think that this would be a big issue, because my income is good and the reason that I got the default was because of signing the contract under my name for my brother.
So when I got my application back it said that I didn’t pass the credit score. Now I’m wondering if my bad credit score will mean that I can’t get the loan.
What can I do to improve my credit score and does a bad credit score mean that I can’t get a loan? I considered just leaving the application with this bank and maybe paying off the default and re-applying with a new bank. I don’t know how much difference it would make though? How do they determine a credit score and can I fix my bad credit rating?

Please help

I didn't find the right solution from the internet.

References:
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Thank you
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