 My credit score went from 765 to 632. I have 2 hospital bills reported in collections. $953, and $480? |
What happened?
Additional Details
Is that really enough to make it drop so much, or should I check into this? Who would I call, the credit bureau? What is the FASTEST way to correct ... |
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 Need a Bad Credit Loan? |
| I am looking for a loan I have a poor credit score, looking for lenders that are willing to lend rather than waste time saying they do loans when they don't. If anybody has managed to get a ... |
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 How do you get an unsecured loan when you have EXTREMELY bad credit.? |
| I have tried prosper.com as I have seen suggested so many times on this site, but I was turned down. I need $3500 ASAP. I am desperate.... |
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 Terrible credit credit cards? |
My credit is not bad because I can't handle money, I have never had an account open in which I would receive credit if I paid on time or vice versa.
Two medical bills, small $10... |
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 My credit is about 650 and next year i want to refinance home? |
| i have a credit score of 650 got 1 credit card one small loan that will be paid by october and mortgege payment i want my score to be at 750 next year is it possible with these credits or should i ... |
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 I purchased a home for 360,000 paid 50k, down and I now owe 366K on it payments now 2700 a month, suggestions? |
| the lender will not lower the payments or the interest rate and the new appraisal on the home is 330,000. Any suggestions will help I can't afford the payments.... |
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 Credit card question for you folks that 'know better'!? |
| I have 2 credit cards with extremely high interest rates because of past mistakes.. one is for $500, the other for $700...they are nearly maxed out because with the interest I can't get ahead. W... |
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 If you default on your credit card debt, an unsecured debt, why can the bank garnish your salary? |
| I thought a credit card was an "unsecured" debt, meaning they are loaning you money not based on your assets, but on their assumption (based on their research into your history) that you ... |
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 I am 16 years old.? |
| I want to build up my credit , is there any thing that i can get to start building my credit? Like a credit card or a gas card? I would love to hear your answers !!... |
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 I am looking for a credit card for people with really bad credit.? |
| I have really bad credit but am in the process of turning it around and improving it. I am looking for a guaranteed approval credit card. One that doesn't have to have a deposit or where ... |
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 Help Bankruptcy!!!!? |
| Can someone help me out please? I am going to file bankruptcy on my truck and credit card that I have if I file bankruptcy is there anyway that I can keep the truck cause that is the only ... |
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 Question about paying off a credit card...? |
| I am planning to use some of my tax refund to pay off a credit card. One has a $460 balance through Care Credit, with a $500 limit, so I planned to just pay that off but keep the card open of course. ... |
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 Will anyone lend me $15,000? |
| Please do not answer if you don't have any solution. I'm trying to save my house. I'm in Central America.... |
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carson V | Does anyone know of any car loan places that help people with bad credit and gross around 1200 a month? |
I have been trying to get approved for an car loan but my credit isn't very good and i only make about 1200 a month. anyone know if there is somewhere i can go to get help with an car loan please help i have been everywhere and cannot get approved |
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Hayden K
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Hate to tell ya, but credit is like a wound...it heals over time. You can build up your credit over time, by making smaller purchases and paying them in full. You know sometimes it's actually your credit history that sucks...no matter how much you make. (I had that problem when I went to buy my first condo...)
I've had good luck here...
http://auto.deal4-you.com
Good Luck. |
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Rick B
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IF you have bad credit and only earn $14,000 a year, why on earth do you want a car loan!??!!?
Buy a good used car for CASH. You do not need a loan! |
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Stooge™
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I know that you probably need a car right now, but try (if you can) to save a little... Then you can give them a little downpayment and you will get a car. Or you can buy an inexpensive get around vehicle for under 1K. |
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Debbie V
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I think you should probably wait. |
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Squirrel Cage
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Most used car lots will have several finance companies lined up to refer people like you to. Give a few a call and see what they have to say. Tell them over the phone your story and make sure they check your credit out first before you waste your time going down there.
Alternately, try Nationwide Auto Finance in Chicago or Americredit in Dallas Texas |
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A1
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radio ads say bad or no credit ok.....if you can't get a loan sell something or save for awhile for big down payment or pay in full. |
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Jaclyn&Dave
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You don't need a loan, you need a cheap car and more income.
Get on a budget and buy a cheap car for cash after saving. With a $1200/month income the LAST thing you need is a loan from the sleazy lenders who would charge you double-digit interest for a crummy car.
Watch the video below to learn the smart way to buy cars, and go to your local library and read Dave Ramsey's "The Total Money Makeover" for more in-depth info. Don't buy it now ... wait until you are debt-free and buy it for someone who needs it. |
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shiprepairwoman
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I hope not with that income you are lucky to pay rent without paying interest on loans. |
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Triumph
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You can go to those car dealerships that offer "no credit checks" but make sure you know what your getting into. Basically, you will be paying about 3 to 5 times as much as the car is worth. I know a guy who paid $15,000 for a car worth about $4,000, and they offered someone else a $6,000 car for what came out to be $18,000.
If this is what you want, it will help your credit. If you can get through the payments until the end it will show up as a good mark on your credit rating. But you are committing to at least 3 years of payments, with full-coverage insurance on top of that. If the car breaks down before then, you still have those payments to make. If you show that you won't miss a payment, they will most likely let you trade in your car for another, with a new payment plan.
These cars are usually bought at auctions and are high-mileage cars, also.
If you can find a good running cheap car, and you know already that you are going to be ending up paying about 3 times the amount the car is worth when its all over, and you are willing to do that to not only get the car, and clean up your credit, then do it, but don't let them take all your extra income. They will ask you how much you make. Give them a smaller amount than what you do make because they will work it out to take as much from you as they can, and just leave you enough to pay bills and nothing else. |
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Larry
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the newspaper, t.v, magazines etc... have company's willing to loan money, but the interest will be sky high with a bad credit history. ask a relative to co-sign., but maybe a used car with a cash payment might be a better option.
good luck. |
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