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Denver real estate; How to Qualify for a Mortgage How to qualify for a mortgage in Denver Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. Closing Costs Home buying costs vary by region, here are sample costs for Denver. Loan Approval What constitutes as loan approval in Denver? Interest Rates Lock in your rate with confidence, after you have read these facts. What is PMI? PMI, do you really need it? The Mortgage Loan Application Mortgage loan applications made simple, bring this list. The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. Common Mistakes to Avoid Common home buying mistakes can be avoided, you need to know what some of them are. search Denver Real Estate Site How to qualify for a mortgage A brief summary on how to get a home loan When a mortgage lender takes your application they are checking your ability and willingness to repay. It is said that "history repeats itself". Lenders look at your history to predict the future. This process can go as quickly as 24 hours or take several weeks. This is done by checking the following items: Your credit history (the past 2 years) Your checking account (bounced checks are not good) Your income Your FICO score (on conventional loans) Almost everyone who has some sort of credit, some money set aside for a down payment and an income can get a loan. Now whether or not you want that loan may be a different story. Mortgage rates are proportional to the amount of risk the lender must take. If the credit history is bad, the risk will be off set by a higher interest rate. The best way to qualify for a mortgage that you want is to have a nice clean credit report, little debt and pay all your bills on time, every time. Excessive consumer debt as in multiple credit cards lowers your FICO score . A hint to avoid this happening is to consolidate your debt on one charge card. Even if you have excellent credit it is a good idea to pull a credit report on yourself, prior to visiting the lender. In Colorado you are allowed to do this free of charge once a year. (If you aren't in Colorado or any of the "free" states, then you can pay a small fee to obtain a copy of your credit report.) There are more than one credit reporting companies and not all companies report to all credit bureaus, so be sure to request a credit report from all, just to be sure. Here is how to contact the credit reporting agencies: Equifax Equifax Information Service Center P.O. Box 740241 Atlanta, GA 30374-0241 1-800-997-2493 You can also order your credit report from a secure section of the Equifax website at http://www.equifax.com Experian Experian National Consumer Assistance Center P,O, Box 2104 Allen, TX 75013-2104 1-888-397-3742 You can print a credit report order from at http://www.experian.com Trans Union Corporation, Consumer Disclosure Center P,.O. Box 390 Springfield, PA 19064-0390 1-800-888-4213 You can order a credit report online from Trans Union's website at http://www.transunion.com Be Pro-active... By reviewing your credit report prior to visiting a lender, you will be able to straighten out any errors or disputed items and avoid any troublesome holdups down the road. If you see a disputed item, an error made by a faulty social security number, a name similar to yours, or a court ordered judgment you paid off that hasn't been cleared from the public records, clear it off now. By writing to the credit reporting agency, you can have them remove the items and save you time and aggravation later. TIP: Make sure any outdated derogatory entries are deleted from your credit file. By outdated, anything over 7 years should be deleted (except bankruptcy which is 10 years). TIP: Officially cancel inactive credit cards Even if you don't use a credit card, some lenders will assume that credit limit is available to you and use it in qualifying you. Therefore, if you don't use it and don't need it, cancel it. Too many credit cards even with no balance can keep you from getting a loan. TIP: Hold off on making any major purchases until after you close on the loan. Many times people obtain a loan commitment then go out and charge a new car or a houseful of furniture, only to totally destroy the ratios on their loan commitment. If you find you need assistance with any of these strategies, it's OK to sit down and talk with a lender. Explain your situation and what you are trying to do. A good lender will help you structure your finances, credit report and budget, keeping your best interest in mind. Continue to How Much of a Down Payment? . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

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Amazon.com: House of Wax(1953): Video Your Store Video See All 32 Product Categories   Your Account | Cart | Wish List | Help | advanced search | browse genres | top sellers | new & future releases | kids & family | movie showtimes | today's deals | used videos Search Amazon.com VHS Used Videos DVD DVD & VHS Movie Showtimes Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . VIDEO INFORMATION Explore This Video buying info technical information editorial reviews customer reviews RATE THIS VIDEO I dislike it I love it! 1 2 3 4 5 Edit your ratings Favorite Magazines! Explore our new Magazine Subscriptions store . Visit the DVD Store The Tingler DVD 35 used & new from $2.40 Have one to sell? House of Wax(1953) see larger picture Availability: Usually ships in 1-2 business days 35 used & new from $2.40 Edition: See more product details Customers who bought this video also bought: Diary of a Madman / Movie VHS Haunted Palace (1963) / Movie VHS The Raven VHS The Pit and The Pendulum VHS Pinky VHS Explore Similar Items : 5 in Video , and 20 in DVD Customers who viewed this videoalso viewed: Mystery of the Wax Museum VHS Dr X VHS Explore Similar Items : 2 in Video , and 8 in DVD Product Details Director: Andr De Toth Format: Color, Original recording reissued, NTSC Rated: Studio: Warner Home Video Video Release Date: July 28, 1998 VHS Features: NTSC format ( US and Canada only. This VHS will probably NOT be viewable in other countries. Read more about VHS formats .) Color, Original recording reissued, NTSC From IMDb: Quotes & Trivia ASIN: 0790736055 Other Formats: DVD Average Customer Review: Based on 58 reviews. Write a review . Amazon.com Sales Rank: Today: #767 in Video Yesterday: #1,048 in Video Editorial Reviews Amazon.com House of Wax brought Vincent Price into the horror genre, where he fit as snugly as a scalpel in a mad scientist's hand. A remake of the 1933 film Mystery of the Wax Museum , this entertaining Gothic shocker casts Price as a sculptor of wax figures; his unwilling victims--er, "models"--lend their bodies to his lifelike depictions of Marie Antoinette and Joan of Arc. The film was one of the top 10 moneymakers of its year, thanks in part to the 3-D gimmick, which explains why so many things are aimed at the camera (why else would the paddleball man be there?). Footnote to history: director Andre De Toth was blind in one eye, and thus could not see in three dimensions. --Robert Horton Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 11 of 11 people found the following review helpful: Solid, 50s Gothic Horror Flick , October 11, 2004 Reviewer: Westley (The South)- See all my reviews Horror films in the 1950s were often set in earlier times - including "House of Wax" - a gothic-styled thriller. Vincent Price stars, and this movie was his first of many, many horror films. He's perfect in this role, and it's puzzling why no one had cast him as this type of character before. He plays Prof. Henry Jarrod, a wax figure sculptor who's far too obsessed with his work. He's the head of an unsuccessful wax museum and watches in disgust as other museums make money by showing horror style wax figures, such as mass murderers. When his museum is burned to the ground, he re-emerges and seeks vengeance on persons responsible. The film received a great deal of buzz as the second 3-D film released by a major studio ("Bwana Devil" was the first); not surprisingly, it was a major hit, becoming the 7th biggest money-maker of 1953. "House of Wax" was actually a remake of a 1933 film, "Mystery of the Wax Museum." In addition, a remake of this film is currently in the works, and should be released in 2005. One of the stars of the upcoming film is Paris Hilton, which should be interesting! Although I prefer Castle's horror films from this period, Price alone makes this film worthwhile. Carolyn Jones ("Addams Family") is also fun as a kind harlot. Overall, the movie holds up pretty well, mostly because of its creepy tone. I saw the movie in 2-D but still enjoyed it quite a bit. Was this review helpful to you? ( Report this ) 18 of 19 people found the following review helpful: one of Price's best films , October 8, 2004 Reviewer: Deborah MacGillivray (Scotland, England & US)- See all my reviews This movie has wit, excellent pacing and a strong supporting cast (including a blonde Carolyn Jones "Morticia" from the Addams Family) and a small role for Charles Bronson (playing Igor and billed as Charles Buchinsky). Prince gets to be both understated and hammy in the brilliant film, that he is likely best know for. It catches the atmosphere of the Gaslight period, and is lighting speed, as Price goes from a brilliant artist of life-like wax figures, to a scarred man, nearly killed by his partner wanting the insurance. He is forced to watch his two crowning glories, his Joan of Arc and his Marie Antoinette destroyed in the fire. With scared hands, he is forced to use bodies to fill his new house of wax, while Price also manages to meet out a little revenge to his former partner. At first bodies are vanishing from the morgue, but when Price sees Jones - the living image of Joan of Arc - and Phyllis Kirk, his Marie Antoinette come to life in his mind - he knows he must possess the bodies of both women to see if greatest works recreated. Is so spooky, and Kirk ably screams her way from one mishap to the next. Just does not get any better. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. I'm Melting! Melllting!... , December 29, 2005 Reviewer: Bindy Sue Fr?nk?nschtein "bigfootsalienbaby" (under the rubble)- See all my reviews Poor Henry Jarrod (Vincent Price). He's a wax-sculptor / wax museum owner who just wants to bring a little beauty into the world w/ his life-like, historical figures. Unfortunately, the public doesn't want beauty, it wants wax versions of murderers and sensationalism. Jarrod's partner knows this and decides to torch the museum for the insurance money. When Jarrod resists, he gets torched as well. Years later, a new wax museum opens, run by Henry Jarrod! He didn't die after all. Now, people are being murdered by a mysterious, disfigured man in a black hat and cloak. Their bodies are then stolen from the morgue! Where are they going, and why are Jarrod's new wax figures so eerily familiar looking? HOUSE OF WAX is the first of a long line of horror / revenge movies for Vincent. You can see the same tormented / demented soul here that would later shine in movies like PIT AND THE PENDULUM, THEATRE OF BLOOD, MADHOUSE, THE ABOMINABLE DR. PHIBES, and DR. PHIBES RISES AGAIN. HOUSE OF WAX is an excellent remake of the 1933 film MYSTERY OF THE WAX MUSEUM w/ Lionel Atwill and Fay Wray (both are also in The Vampire Bat and Doctor X). I love both movies! While HOUSE is more gothic, MYSTERY is more '30s pulp. They each have their own creepy charm and interesting plotpoints. Atwill is sedate yet sinister, while Wray is her usual beautiful, vulnerable self. HOUSE OF WAX / MYSTERY OF THE WAX MUSEUM make a great double feature... --This text refers to the DVD edition Was this review helpful to you? ( Report this ) House of Wax- Phyllis Kirk , December 18, 2005 A Kid's Review An otherwise corny film, but viewers can delight in the closeup shots of Miss Kirk's beautiful wriggling toes as she struggles with her iron clamps that hold her down. Was this review helpful to you? ( Report this ) 3 of 3 people found the following review helpful: GOOD OLD FASHIONED GOTHIC THRILLS , November 6, 2005 Reviewer: Michael Butts (Martinsburg, WV USA)- See all my reviews It's 1953, and Vincent Price is about to appear in his first horror film, a move that of course predicated what was to be the genre we remember this marvelous actor for. Filmed in 3-D, a feat in itself for fifty years ago, this tale revolves around Price, a wax museum curator, who is badly disfigured in a fire set by his greedy partner (the effable Roy Roberts) in order to get the twenty five thousand dollars in insurance money. A few years later, a now demented Price wants revenge and gets it, while setting up a fanciful new wax museum whose figures have a secret twist. We all know how they're made, but it's fun guessing along. Carolyn Jones (Addams Family), Phyllis Kirk, Frank Lovejoy and Charles Bronson all show up in supporting roles and the end result is a campy, enjoyable thriller, actually much more interesting than the confusing 2005 remake. Price fans will love this one. --This text refers to the DVD edition Was this review helpful to you? ( Report this ) 1 of 2 people found the following review helpful: Vincent Price enters the world of horror movies via the "House of Wax" , October 26, 2005 Reviewer: Lawrance M. Bernabo (The Zenith City: Duluth, MN United States)- See all my reviews With the new "House of Wax" out on DVD this week I thought it was time to go back and see the original version with Vincent Price. Of course, director Andr De Toth's 1953 film was based on Michael Curtiz's slightly superior 1933 film "Mystery of the Wax Museum," which why those two films have much more in common that the two "House of Wax" films. Besides, this "House of Wax" was shot in 3-D and part of the fun in watching it again is to spot the 3-D effect. The opening titles and the ping pong player (Reggie Rymal) going after our popcorn are the most obvious ones, but you will notice the film is not full of obvious 3-D shots (pay attentions to limbs and such, especially on the Can-Can dancers). The craze was launched the previous year with the release of "Bwana Devil," in an attempt to win back audiences from the exploding success of television. Fortunately, "House of Wax" stands on its own. This time the setting is in Baltimore before the Civil War rather than contemporary New York City. Henry Jarrod (Vincent Price) is a brilliant artist when it comes to making wax figures, although the way he talks to his creations makes us doubt his sanity. When Jarrod's partner, Matthew Burke (Roy Roberts), tries to burn down their wax museum for the insurance money, Jarrod fights him and is presumed killed in the inferno trying to rescue his beloved creations. Years later a hideously disfigured man kills both Burke and his gold digging mistress, Cathy Gray (Carolyn Jones), whose bodies are stolen from the morgue. At this same time Jarrod, now rolling around in a wheelchair with his hands horrible burned by the fire, opens up his new House of Wax. Jarrod has become interested in using Sue Allen (Phyllis), the ex-roommate of Burke's dead mistress, as the model for his new Marie Antoinette. Sue is seeing Scott Andrews (Paul Picerni), who is working as one of Jarrod's assistants, along with the deaf-mute Igor (Charles Bronson when he was still going by Buchinsky) and the squirrelly Leon Averill (Nedrick Young). Meanwhile, Lt. Brennan (Frank Lovejoy) and Sgt. Jim Shane (Dabbs Greer), are investigating the disappearing corpses and trying to figure out the mystery. The problem is that from the viewers point of view it is clear who is doing the murders, so there are no real surprises here. The only really spooky part is when the shadowy figure is following the damsel in distress through the misty streets. But there is fun to be had in just seeing the displays of wax works in the two museums, both of which are filmed in such rich colors that you forget their are dead people underneath the wax. If you have ever been to a real wax museum, that is to say a good one like one of Madame Tussaud's (in London for me), the only real difference is that the chamber of horrors is dimly lit to heighten the effects (and the shocks), while Jarrod's displays are bathed in light (all the better to see them in). Besides, it is the idea of what those figures really are that is at play here. The whole idea of preserving corpses as art, whether you use wax or plaster (as in "A Bucket of Blood") is pretty creepy. The whole idea of displaying perfectly preserved corpses, as was done with Vladimir Lenin and Eva Peron, seems rather ghoulish if you are not part of those respective cults of personality. The recent controversy over whether sending plastinated corpses on exhibition tours crosses the line between science education and desecration speaks to this as well. The climax of these films always comes when the wax breaks or melts away and the horrible truth is revealed. "House of Wax" also has the added advantage of letting us see Vincent Price's face crumble away to reveal the horrors beneath, which would be repeated in the Dr. Phibes movies. In fact, it was "House of Wax" that effectively launched Price on his career in horror films for which he is ultimately remembered. Was this review helpful to you? ( Report this ) See all 58 customer reviews... So You'd Like To... Own the Ultimate Horror Collection? :by Lonely Schoolboy , Screenwriter Watch Horror Movies :by jem-aja , Horror Fan find out horror's REAL timeline? :by Wes , horror fanatic, monster hunter Listmania! The Price of Legend: The 10 Best Vincent Price Appearances :A list by owl_stretching_time , Film Merchant and Price Nut. My Favorite Vincent Price Films :A list by Trish , Vinnie fan Best Classic Horror Movies--EVER :A list by Trish , Horror buff Browse for VIDEO in: Amazon.com Outlet > Video Outlet > Deals Under $12 VHS > Genres > Horror > General VHS > Genres > Horror > Classic Horror & Monsters > General VHS > Today's Deals in Video > Deals Under $12 VHS > Studio Specials > Warner Home Video > Warner Video Bargains > Horror • I have seen this video, and I want to review it. • tell a friend about this item . • Write a So You'd Like to... guide . • Check Purchase Circles . For more information about "House of Wax," visit the Internet Movie Database (IMDb) Suggestion Box Your comments can help make our site better for everyone. If you've found something incorrect, broken, or frustrating on this page, let us know so that we can improve it. Please note that we are unable to respond directly to suggestions made via this form. If you need help with an order, please contact Customer Service . 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foreclosure property Oregon Foreclosure

Oregon Foreclosure Listings Information at Business.com Advertiser Center · Help Web News People Jobs Search the Business Internet ® Oregon Foreclosure Listings Databases and listings of residential, government and bank-owned foreclosures in Oregon. Home > Real Estate & Construction > Property Listings > Foreclosure > US States > Oregon Sponsored Links Oregon Foreclosure Search 500,000 National Foreclosure Reos, Auctions & Trustee Sales Free www.bankhomesdirect.com Pre- foreclosure Leads Freshest lists available Az, Ca, Fl, Mi, Nm, Wa www.defaultresearch.com Foreclosure Listings Find Homes - Up to 50% Below Market! Search Now for Free. www.foreclosure.com Free Foreclosure Service No Money Down Homes Search Foreclosure Listings Free iForeclosures.com Foreclosure Listings $170,000 Loan Under $560/month Rates at Historic Lows. Save Now! mortgages.nextag.com Foreclosure Listings Free Service lets you Discover Foreclosed Real Estate in Your Area Free-List-of-Foreclosures.com Popular Searches Forclosure property listings in Oregon foreclosure homes in Oregon foreclosure listings in Oregon homes foreclosed in Oregon Oregon foreclose home Oregon foreclosure home Oregon foreclosure house Oregon foreclosure list Oregon foreclosure listing « more more popular searches [x] Oregon Foreclosure Listings Oregon foreclosure properties Oregon foreclosure property Oregon Foreclosure property listing Oregon foreclosure real estate Oregon foreclosures Oregon home foreclosure Oregon house foreclosure Oregon real estate foreclosures Featured Listings RealtyStore: Oregon Foreclosure Listings Save 20 - 50% on Foreclosure and HUD real estate. Ideal for investors, bargain hunters and first timers. Free trial membership (Credit Card required). www.realtystore.com RealtyTrac: Foreclosed Property Listings in Oregon Provides foreclosure search engine for Oregon with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Sponsored Links Foreclosure listings Homes for Half Price. 500,000 pre- foreclosure listings . Try it Free! www.RealtyTrac.com I'm Paying Cash For Homes Any Price, Condition, Or Location Sell Your Home Quickly & Easily www.webuyhomesaz.com We Buy Homes Fast We will buy your house directly from you. No Fees AllHousesAZ.com Fresh Bankruptcy Lists Custom lists. Phone #, address, etc Accurate. Daily Updates. High ROI. www.ClickData.com Listings Absolute Foreclosures: Oregon Provides a daily index of property foreclosure listings throughout the US. Search by state, county, city or zip code. www.absoluteforeclosures.com FederalHomes.com: Oregon Offers state-specific foreclosure listings for residential properties. Includes local mortgage and realtor resources. www.foreclosurenet.org ForeclosureFreeSearch.com: Oregon Free online resource offers foreclosure property listings by state. Includes links to mortgage and real estate information resources. www.foreclosurefreesearch.com ForeclosureNet.net: Oregon Foreclosure Listings Offers bank foreclosure and government foreclosured property listings in Oregon and across the US. Homes, rental properties, and commercial. Free Trial. Free Trial | Search Listings | Foreclosure Info. | Testimonials www.foreclosurenet.net RealtyStore: Oregon Foreclosure Listings Save 20 - 50% on Foreclosure and HUD real estate. Ideal for investors, bargain hunters and first timers. Free trial membership (Credit Card required). www.realtystore.com RealtyTrac: Foreclosed Property Listings in Oregon Provides foreclosure search engine for Oregon with daily data updates, tax roll information, and photographs. Free 7-day trial. www.realtytrac.com Registry Line: Oregon Offers a daily feed of foreclosure property listings in Oregon. Become a member to access complete listing details. www.registryline.com Search the Business Internet ® Advertiser Center | Account Login | About Us | Careers at Business.com | Featured Listings Privacy | Terms Of Use | 2000-2005 Business.com, Inc. All Rights Reserved

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A checklist for selling a house Geta Free Home Valuation Now Checklist for Selling a House Selling a house can be a very involved process.By keeping track of your progress with this checklist, you can eliminate many of the pitfalls, time delays andaggravations that can erupt at any time during the house selling period. Bookmark this page so that you can returnto it frequently and maintain control over the experience. House Selling Checklist Be an informed seller. There is a lot of information on this Web Site thatwill assist you and links to much more information. Numerous guides are available on specific subjects. (See "RecommendedReading" at the bottom of many pages). The Bookstore also has a number of recommended resources. Gather as much information as youcan to increase your effectiveness. Decide whether it is to your advantage to sell your house with an Agent or on your own . If you decide togo with an Agency, find an Agent in whom you can have confidence. Click here to choose an Agent in your area .You can compare backgrounds, experience, commissions and more. More information . Familiarize yourself on how to price your house . Pulling a price "outof the air" is almost never successful. If you would like comparable sales prices in your neighborhood, HomePrice.net can give you a report with up to 30 comparable sales, plus a neighborhood demographicprofile, nearby home owners and more. Or, HomeGain.com has a FREE servicewhich is designed to help you get an estimate of your home's value. Knowing how much your home can be worth isone of the first steps in beginning to market the property. Click here for more information. Know what you canand cannot change about your house . This allows you to concentrateon those items that bring the highest rewards. Spend time on the housepreparation phase --it will probably be the most productive timeyou can spend! For tax purposes, develop a record of all home improvements madeto your house. Decide whether or not to do a pre-listing house inspection . Have a yardsale before you list. Sell, donate, or trash everything you don't need. Decide whether you want to offer a Home Warranty with your house. Get familiar with financing options. Be at least as knowledgeable as your buyers. Develop an effective advertisingand marketing plan on your own or with your Agent. If you areselling on your own, ForSale by Owner has a complete menu of services that are available. More information . Know how to best showyour home . When it is time to negotiate, learn how to deal with offers and familiarize yourselfwith contracts . If you need to review an example of purchase offers, you can find forms for all statesat a reasonable price at FindLegalForms.com . Looking to buy another home? Check out our Home Buyer's Information Center before youbuy another home. You'll find hundreds of helpful hints and tips from the Buyer's perspective. Make moving plans early. Don't wait until the last minute! Know what is involved at closingand settlement . Smile and breathe a sigh of relief: It's over! HOME | Checklist | To-Do Lists | Set a Value | By Owner | With anAgent Preparation | Showtime | Research | More Links FreeHome Value Estimate Sell on Your Own CompareAgents. No Cost, No Obligation

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Loans - cheap car, personal & secured homeowner loans - MoneySupermarket UK moneysupermarket.com HOME MONEY loans cards mortgages current accounts savings refused finance business finance shares INSURANCE car home travel life critical breakdown pet mortgage income bike dental medical van TRAVEL flights hotels car hire travel insurance top destinations MOTORING new cars car insurance loans car breakdown motorbike insurance car hire van insurance car leasing GAS & ELECTRICITY dual fuel gas electricity Loans Compare Over 400 Loans Looking for the cheapest loan available? Compare over 400 products in the UK market. 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How many years have you lived at your current address? -- Select -- Moved in within the last three months Less than 1 year Over 1 year and less than 2 years Between 2 and 3 years Between 4 and 7 years Between 8 and 10 years More than 10 years Have you ever had a CCJ or bankruptcy? -- Select -- No Don’t know Yes within the last year Yes over 1 year and less than 2 years Yes between 2 and 4 years ago Yes more than 4 years ago Have you ever defaulted on a credit account? (E.g. personal loan, credit card, overdraft etc...) -- Select -- No Yes, within the last 1 year Yes, over 1 year and less than 3 years ago Yes, more than 3 years ago Don’t know Have you ever missed a payment on a credit account? (E.g. personal loan, credit card, overdraft etc...) -- Select -- No Yes, within the last 3 months Yes, within the last year Yes, more than 1 year and less than 2 years ago Yes, more than 2 years ago Don’t know How many credit accounts have you applied for in the past 6 months? 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', 500)" onmouseout="kill();"good ' credit profile Loan APR Comments cahoot 5.8% Instant decision online Northern Rock 5.8% Fixed interest rates AA 5.9% 3 month payment holiday option MS Exclusive 6.3% Lowest homeowner loan rate in the UK Customers with a ' Customers with a \'fair\' credit profile normally have some of the following charcteristics: may have changed employer a few times in recent years or be self employed for a few years or less; may have changed address a few times in recent years or the provider may have difficulty seeing accurate address history on the electoral role; frequently apply for credit; may carry a fairly high level of debt; may be in the younger age group and/or living with parents; may have missed some payments and been late with payment in recent years for credit or utilities such as Gas; Electricity etc.; no CCJ\'s or, possibly, may have one old CCJ for small amount. Note 1: each provider has it\'s own policies which are strictly confidential and not shared with staff from moneysupermarket.com. These characteristics are compiled from ongoing research and dialogue with providers and represents our \'best judgement\'. It is intended as \'helpful guidance\' rather than a precise definition. Industry parlance for this category is \'Near Prime\'. Note 2.: Share of market figures are estimates based on feedback from loan providers. Loan rates quoted are the typical rates quoted by the lender. ', 500)" onmouseout="kill();"fair ' credit profile Loan APR Comments Picture Loans 7.9% Moneysupermarket Exclusive FirstPlus 8.4% Loans for homeowners Customers with a credit profile that ' Customers with a credit profile that \'needs improvement\' normally have some of the following charcteristics: will have missed payments and been late with payments in recent years; may have had CCJ\'s. Any but the oldest CCJ\'s make inclusion in this category almost certain; may have changed address or job frequently; if details cannot be found on electoral register; presently employed or self employed but may have had recent periods of unemployement; will have a bank account; tenants will often be in this category. Note 1.: each provider has it\'s own policies which are strictly confidential and not shared with staff from moneysupermarket.com. These characteristics are compiled from ongoing research and dialogue with providers and represents our \'best judgement\'. It is intended as \'helpful guidance\' rather than a precise definition. Industry parlance for this category is \'Sub Prime\'. Note 2.: there is a further category which we would call a \'poor\' credit profile which, in the industry, is described as \'non conforming\'. This market segment includes the unemployed, individuals that have been declared bankrupt or people with current debt problems. Individuals with a poor credit profile may find it particularly difficult to borrow money. Note 3.: Share of market figures are estimates based on feedback from loan providers. Loan rates quoted are the typical rates quoted by the lender. ', 500)" onmouseout="kill();"needs improvement ' Loan APR Comments Loans.co.uk 11.4% Consolidation available Black Horse 24.9% Also offers secured loans Been turned down for credit? Give our financial helpdesk a call on 0870 027 0269 . Lines are open 24 hours a day. Homeowner Loans: The actual rate available will depend upon your circumstances. Ask for a personalised illustration. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT. Contact Moneysupermarket.com at Moneysupermarket House, St David's Park, Ewloe, Flintshire CH5 3UZ. Debt Consolidation Tool If you've got existing credit and you're finding it hard to keep track of the repayments or you just want to reduce the amount you do pay each month then use our debt consolidation tool to see if you can benefit from one simple monthly repayment. Best Loans Guide Looking for the cheapest loans? Personal loans are available for a range of different amounts & repayment terms. If you are looking for a low cost loan, comparing the APR (loan interest rate) is a good place to start. Read our personal loan guide here covering bank loans, flexible loans, personal loans - the lot. Secured loans for homeowners are available for many different purposes including debt consolidation. The amount available usually ranges from £3,000 to £50,000 although some lenders will consider loans of up to £100,000. Read more of our secured homeowner loan guide . Having Problems With Your Credit? If you have poor credit and are in need of help and advice, Gregory Pennington or Baines & Ernst may be able to help. Alternatively, you can access your credit report with credit reference agency Equifax. Be updated with our rate alert Register now for up to date news on the cheapest loans and financial deals. Overhauling your finances is thirsty work, so moneysupermarket.com has teamed up with Virgin Wines to offer all users registering for loan RATE Alert the opportunity to get 20 off a case of wine. MISSING PAYMENTS WILL HAVE SEVERE CONSEQUENCES AND MAY MAKE OBTAINING CREDIT MORE DIFFICULT IN THE FUTURE. Contact Us - About Us - Awards - Add to Favourites - Careers - Press - Terms & Conditions - Security © Moneysupermarket Financial Group 2005 Secured Loans >>