TEXAS MORTGAGE W LATE PAYMENTS BANKRUPTCY, FORECLOSURE
Your Texas Bad Credit score is one of the most important factors of your financial life. Texas Bad Credit mortgage lenders use it to decide whether to give you a Texas Bad Credit card or loan. Some service providers use it to determine whether you should pay a security deposit. Car insurance providers consider your Texas Bad Credit score when setting your insurance rate. While it’s important to know what things help you build a good Texas Bad Credit score, you also have to know the actions that could hurt your Texas Bad Credit score.
Here are some of them.
- Late Payments- 30,60,90, Day late payments will create Texas Bad Credit fast. 20 percent of your Texas Bad Credit score is your payment history. Consistently being late on your Texas Bad Credit card payments will hurt your Credit score. Pay your Texas Bad Credit card bills on time to preserve your Texas Bad Credit score.
- Foreclosure- Getting behind on your mortgage payments will lead your mortgage lender to foreclose on your home. In turn, the late payments will hurt your Texas Bad Credit score and make it harder to get approved for future mortgage loans.
- Judgments- A judgment shows you not only avoided your bills, the court had to get involved to make you pay the debt. While they both hurt your Texas Bad Credit score, a paid judgment is better than an unpaid one.
- Not Paying at All- Completely ignoring your Texas Bad Credit cards bills is much worse than paying late. Each month you miss a Texas Bad Credit card payment, you’re one month closer to having the account charged off.
- Charged Off On your Credit- When Texas Bad Creditors think you’re not going to pay your Texas Bad Credit card bills at all, they charge off your account. This account status is one of the worst things for your Texas Bad Credit score
- Accounts in Collections- Texas Bad Creditors often use third-party debt collectors to try to collect payment from you. Texas Bad Creditors might send your account to collections before or after charging it off. A collection status shows that the Texas Bad Creditor gave up trying to get payment from you and hired someone else to do it.
- Defaulting on a Loan- Loan defaults are similar to Texas Bad Credit card charge-offs. A default shows that you have not fulfilled your end of the loan contract.
- Filing Chapter 7 or 13 Texas Bankruptcy- Bankruptcy will devastate your Texas Bad Credit score. It’s a good idea to seek alternatives, like consumer Texas Bad Credit counseling, before filing bankruptcy.
- High Texas Bad Credit Card Balances- The second most important part of your Texas Bad Credit score is the level of debt, measured by Texas Bad Credit utilization. Having high Texas Bad Credit card balances (relative to your Texas Bad Credit limit) increases your Texas Bad Credit utilization and decreases your Texas Bad Credit score.
- Maxed out Texas Bad Credit Cards- Maxed out and over-the-limit Texas Bad Credit card balances make your Texas Bad Credit utilization 100%. This is least ideal for your Texas Bad Credit score.
- Closing Texas Bad Credit Cards That Still Have Balances- When you close a Texas Bad Credit card that still has a balance, your Texas Bad Credit limit drops to $0 while your balance remains. This makes it look like you’ve maxed out your Texas Bad Credit card, causing your score to drop.
- Closing Old Texas Bad Credit Cards- Another component of your Texas Bad Credit score, 15%, is the length of your Texas Bad Credit history – longer Texas Bad Credit histories are better. Closing old Texas Bad Credit cards, especially your oldest card, makes your Texas Bad Credit history seem shorter than it really is.
- Closing Cards With Available Texas Bad Credit- If you have several Texas Bad Credit cards, some with balances and some without, closing those Texas Bad Credit cards without balances increase your Texas Bad Credit utilization.
- Applying for Several Texas Bad Credit Cards or Loans- Texas Bad Credit inquiries account for 10% of your Texas Bad Credit score. Making several Texas Bad Credit or loan applications within a short period of time will cause your Texas Bad Credit score to drop. Keep applications to a minimum.
- Having only Texas Bad Credit cards or only loans- A mix of Texas Bad Credit is 10% of your Texas Bad Credit. When you have only one type of Texas Bad Credit account, either loans or Texas Bad Credit cards, your Texas Bad Credit score could be affected. This factor mostly comes into play when you don’t have much other Texas Bad Credit information in your Texas Bad Credit history.
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