 Where can I find a fast personal loan? |
| I am in need of an unsecured personal loan today!!!! I have a bad credit score. I am working to try to get myself out of this mess, but it would make my life easier if I could pay some of these bills ... |
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 How do you find out what's wrong with your credit? I just applied for a credit card and was denied. I have a |
| couple of theories as to why and what i owe being the culprits, but how do you find out exactly what is making your credit too bad to recieve a credit card?... |
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 Credit card question? |
| I need to move to LA and fast to start college. My mom and possibly my brother are moving with me who both have incomes to help me with living there, but the thing is coming up with the money to move ... |
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 Why do people live way beyond their means? |
| I understand owing money on a house or even a car, but why are people so in debt? We (our family) only spend money on things we can buy outright, no credit. Sometimes we have to save for several ... |
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 Do most credit cards have annual fees? |
| I'm still pretty inexperienced with credit. I've only had one credit card (a Visa) for the past three years, and it has no annual fee. I just got a second (a MasterCard), and it has an ... |
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 Child support? |
| My BF has a child support judgement on his credit report. It's compleltly paid up in full and his has paperwork proving it. This is the only debt he has on his report. Even though it's ... |
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 How Much Is Your Total Debt? |
How Much Is Your Total Debt?
Mines is $15,000.00... |
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 What to look for before applying for a Credit Card? |
| I have never had a credit card and I don't have a clue what to look for in the terms and conditions before applying.... |
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 I got credit issues what to do!? |
| Ok Im 25 now, in the past when I was in high school, I got 3 credit cards and maxed out, Since about 03 I havent paied on any of them, now they are charged off. I tried the whole CCC thing but it was ... |
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 What is the most sensible way to get rid of credit card debt? |
| I have about 5k on credit cards right now and they all have high interest fees. I was told if I paid them off in full it would damage my credit rating. What is the best way to bring down the amount ... |
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 My husband just found out that his father has ruined his credit, $214,000.00 worth! What can be done? |
| he found out he has a house in his name, businesses, cars, utilities, starting when he was 10 years old!!!... |
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eminem_gurlle | How can I get a loan to fix my credit? |
I am trying to get a loan (between $7,500-$10,000) to pay off some debt and clean my credit. I am looking for a LEGIT company and I have already tried Prosper but to my surprise, my credit score isnt high enough to be eligible. I did look at my credit score which is 531 (although Prosper said I was under 520) I made some mistakes in college by getting credit cards to pay for school. Is there any legit site, place or service that would provide me with a loan, with my credit with the option of a long-term payment plan? Please help |
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Pengy
 |
Getting another loan will not clean up your credit, if you are talking about paying off things in collection, or closed accounts they will only be marked as satisfied and still remain on your report for 7 years after the last transaction. If you have bad things from 5 years ago you have two years to go, if you pay them tomorrow you have 7 years from tomorrow. Do you have collateral worth the amount you want to borrow if not, especially in todays tightening of credit you unfortunately are out of luck |
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steve b
 |
I advise against getting a loan to pay off other debts, especially if they are credit cards. Many people do just that, they get a loan at a lower interest then what their cards were they pay the balances on their cards and now have only the loan.
Unless you are 100% disciplined and throw away your cards afterwords you will end up in the same position, except now you have the extra loan to pay off as well.
As far as getting a loan in the first place, lenders have been getting a lot stricter nowadays, even for people with decent credit, so it may be tough. A secured loan may be easier to obtain if you have something of value, however this is even more risky, because if you end up in the situation that I described above then you will lose you secured item, and still have to pay the money back. |
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?
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Well, since your credit score is LOW anyway - why bother getting more in debt just to be able to borrow more money? Look at your report and mentally write off anything over five years old - that'll be going away in a couple of years. Get a dispute form and then dispute any questionable stuff that is on there - that can't hurt and might even help if the stuff you dispute goes away. Why bother with a loan? If your credit is 530 you don't want to be borrowing with high interest anyway - so just forget about what you owe for now and when you want something save your cash and buy it. I just don't think it's such a great idea - (unless you are buying a house of course - who has $130,000 sitting around) to pay someone else to use your own money. Eventually most of the bad stuff will drop off and if you can get in on a few of those "six months same as cash" deals for a washer and dryer or laptop that you were going to pay cash for anyway, and maybe even pay off your car loan if you have one then you credit score will go up. I wouldn't lose sleep over it, though. I'd much rather have money in a savings account or CD than have banks willing to lend it to me at 18 percent.
Truly wealthy people don't pay interest - they draw it! |
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