A.J. G asked: I have some cash and want to improve my credit score. I have an IRS tax lien for about the same amount as my outstanding credit card balances. What would be a better action? Should I pay off the tax lien, currently on installment, or should I pay off [...]

Troysong asked: My husband and I are both disabled with a permanent income. We both receive social security disability and will until we die. I am 47 and my husband is 62. the real estate agent we have been dealing with is telling us that a permanent income counts for nothing without a 620 or [...]

Jen M asked: I have been on a payment plan with the IRS for a tax lien, and need to settle the lien before I will be able to close on a mortgage. Once the lien is settled, will this raise my credit score, or only show that the lien has been released? [...]

Devans00 asked: I have several thousand dollars worth of medical bills that I’m being allowed to pay back, interest free over a one year period. Part of the arrangement includes having a lien. That means, if I come into a large amount of money, such as win the lottery, my bill will be [...]

puppylover asked: YES IF YOU HAVE A CREDIT SCORE OF 585 HOW HARD IS IT TO GET A HOME LOAN? AROUND $100,000? I DIDN’T KNOW IF THEY LOOK ALSO THAT IF YOU ARE A FIRST TIME HOMEBUYER AND GETTING THE TAX CREDIT OF $8,000 IF THAT HELPS ON THEIR DECISION. AND IF YOU WANTED TO [...]

bpb105 asked: i have payed rent on time can i get home loan no good credit have 2 of my 3 scores 561 and 591 i filed bankruptcy 2008 cleared and have only auto payment and can i get the 8000 tax credit when do it end also [...]

jersey_mike76 asked: After moving out of the state, Fairfax Co VA assessed a 1 time Wage garnishment to me for failing to pay personal property tax. This is a small amount (less than $250) and was paid in full in one pay period.

maximos asked: i have paid in full the federal tax lien filed by the irs, i was wondering by how many points and how soon will my credit score will go up.

Miss C asked: I would really like to buy a home, and receive the first time home buyers tax credit. Only my credit score is 589, and my bank gives out loans to 620 and above.

verypolish1 asked: I am considering a short sale on the my house, as I am looking at a negative equity situation. I am up to date on my payments, but will have no money to bring to closing. It looks like I will have to sell it for $10K less than I owe [...]