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Last year, TD Bank turned us down for a mortgage loan because of negative items on our credit score. We have since purchased a house, paid for it and now wish to obtain a home equity loan. Our Fico Credit score is now "good" (700-739), but we want to know what our chances are of being approved before starting the loan process. (I understand each application for approval will lower my score. Can you help with any information on this matter?
Carol Ann, Hendersonville, NC
August 10, 2015 12:39:53 PM
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In reply to Carol Ann, Hendersonville, NC
Thanks for joining us here at TD Helps, Carol Ann. We'd be glad to help.
Although TD Bank does not provide credit scores or reports, we're happy to provide you with some direction! You're able to request one free copy of your credit report per year. Please take a look here http://1.usa.gov/1oPRFZj for more information as to where you may get a free credit report.
Here are some helpful tools TD Bank offers that may help you understand your credit score and report: http://bit.ly/1jOWoe7 and also check out: http://bit.ly/1nUzsyy on how to build good credit score.
We invite you to visit http://bit.ly/1cJ2lJA for more information on the types of loans we have available.
To personally assist you, we suggest reaching out to us by phone 24/7 at 1-800-937-5020 to speak with a Financial Solutions Specialist or visit us at a TD Bank Store. Please visit: http://bit.ly/TDStores to find a TD Bank Store and locations near you; where one of our Specialists would be more than happy to answer all your questions about our home equity application process and your current qualifications.
We hope this helps and please let us know if you need anything else. Have a good one.
Yen D, Mount Laurel
August 10, 2015 12:59:00 PM