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"Fair" Credit Evaluator

Since you have rated your credit as "Fair" we need to ask you a few questions about why you said Fair. Sometimes you can still get a Mobile Home Loan with Fair Credit, many other times you cannot.

Many people think that even a minor credit infraction years ago makes their credit Fair. On the other hand some people do have factors on their credit reports that would prevent them from obtaining financing for a manufactured home.

You should ask yourself this question:
"What is on my credit report that a Bank or Lender would NOT like?"

Choose the answer from the list below that best reflects the worst issue that will be shown on your credit report, but keep in mind that this process is not 100% accurate. It may ultimately bring you to an application and you may later be rejected once your information is reviewed by a lender.  
 
 
 

I have very limited credit (Less than 3 open and reporting accounts for less than 2 years)

I have a Bankruptcy that DISCHARGED more than 3 years ago

I have a Bankruptcy that has not yet DISCHARGED

I have some accounts that are currently involved with Consumer Credit Counseling (CCC)

I did engage in Consumer Credit Counseling within the last 3 years

I did have some accounts in Consumer Credit Counseling more than 3 years ago

I have minor Medical Collections (Less than $1000)

I have Medical Collections of more than $1000

I have had accounts that were more than 30 days late in the last 3 years

I have had accounts that were more than 60 days late in the last 3 years

I have had accounts that were more than 90 days late in the last 5 years

I have had accounts that were more than 120 days late in the last 10 years

I have credit cards that have late payments within the last 3 years

I have credit cards that are unpaid (Charged Off)

I have late payments on my current rent or mortgage

I have unpaid tax liens on my credit report

I have a Voluntary Auto Repossession

I had a Car Repossessed in the last 10 years and I they say I still owe them money

I lost a house or mfg. home to Foreclosure in the last 10 years

I Co-Signed on a loan for somebody and they didn't make/are not making the payments on time

 


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