Line Of Credit

Reliable line of credit Information

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I want to get a home equity line of credit for one of my homes........?
i have 771 credit score no bank loans and i want 150k line of credit. what im asking when banks or loan companies that deal with giving out those kind of loans is that a hard it or easy it on your credit report when they check you out??

If I make regular payments, which is better for me, a line of credit or a promissory note?

What is the difference between a line of credit and a credit limit?
I just got approved for my first credit card. It& 039 s the Discover Student Card and they say that my line of credit is $1,000 but I don& 039 t know what my credit limit is yet. I was just wondering what or if there is a difference between a line of credit and a credit limit.

Where can I find an unsecured, no personal guarantee, business line of credit?
I& 039 ve heard these can be found, but I don& 039 t know where to find one. I& 039 ve been in business 20 years and need to find 2 unsecured lines of credit for 25 50K each, without signing a personal guarantee. I own a corporation and already have too much of my personal property on the line, yet I need some extra cash right now for working capital. Any suggestions?

Is a home equity line of credit a good idea?
Seemed like it interest only at 7 ish for the first ten years and then interest and principal at the same rate, no prepayment penalty... Anyone have personal experience with this?

How do I figure out the likeliness of getting a loan or line of credit WITHOUT dinging my credit?
I have no negatives as far as missed or late payments in my credit history, but my income to debt ratio is not good. So my score is very sensitive right now although just below excellent, last I checked and I don& 039 t want to make matters worse by racking up credit inquiries when I apply for a line of credit or a business loan. Is there some sort of informal website where I can enter information about my financial information and get a general idea of how appealing I would be to credit companies and banks?

Is the approval criteria different between getting a personal loan, line of credit, & credit card?
Is the approval criteria different between getting a personal loan, line of credit, & credit card? Ex If i did not qualify for a personal loan, does that also mean I don t qualify for a line of credit or credit card? This is so i can rebuild my fair credit to good credit over time.

Why get a loan when you can get a line of credit instead?
If credit of lines are more flexible, why not just aim to get credit lines for everything..what& 039 s the point of getting a loan?

Can I get an equity line of credit in a property I own half of without affecting the other half?
I own a property free of mortgage with a partner. The partner wants to apply for an equity line of credit on their half interest in the property. Can this be done without me having to sign, or approve?

Is a home equity line of credit tax deductible like a mortgage?
I am considering getting a line of credit off of our equity, but before I do, I wantto find out if there is a tax credit for it.

Questions surrounding Home Equity Lines of Credit?
My wife and I are speaking to banks and I don& 039 t know if we are getting straight answers, We have been gifted a house and owe nothing on the mortgage. We were told that we could not apply for a mortgage because the deed has not been in our name for 6 months. We would like to borrow to build an addition. The bank told us we could borrow an HELC and in six months refinance into a mortgage.I am concerned because the HELC is a variable rate is lower 4.5% , but the rate to lock in for it is closer to 7% and ultimately probably will go up.Our initial plan was to get a mortgage and lock in for a fixed term. We planned to do a 25 30 year fixed mortgage. The variable rate with the HELC concerns me.Any advice.

Letter of Credit or Line of Credit?
What is the difference between a LINE of credit and a LETTER of credit?

Home equity lines of credit, does defaulting endanger the ownership of the house?
I read an article in the paper stating that defaults are up on home equity lines of credit. The paper did not provide any detail but my questions are these. If you default on the home equity line of credit, can& 039 t the bank take your house? Can you continue paying on your mortgage 1st Trust Deed and default on your home equity line of credit and keep your home? When you default on your home equity line of credit do you lose your home? Sorry for these questions, but the paper did not mention any of the items I brought up and I am really curious. Thanks

ANYONE KNOW ANYTHING ABOUT LINES-OF-CREDIT?
I would like some feedback from people who know something about loans I am looking for an unsecured line of credit of at least $50,000. I need this loan to update rental properties. IT WILL NOT BE SECURED BY A MORTGAGE unsecured I have a 700 credit score, very low debt, and make around $35,000 yr from my " job." If someone could give me their opinion on this, that& 039 d be great. Try to forget about what I plan on using it for. My main question is if there are ways of getting unsecured lines of credit, perhaps even with a $2000 cert of deposit, or even acquiring a large amount of $1000 2000 credit cards