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| I'm trying to rebuild my credit, just looking for "easy" to get credit cards, no secure ones. Thanks. |
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esha_3577 | My FICO score is 397. Is there any unsecured loan I can get to help pay off debts? |
I would love to better my credit, but I need loan to help pay off some debts to do this. Is there any loan I could receive since I have poor credit hiostory? |
 |
 
Lovely
 |
You're smart to want to increase your credit score. Here is how you can do it:
The more open credit accounts or loans you have or have applied for, the lower your credit score, so if you want to better your credit, you will have to do it by using the money you have earned. That's why it's best to pay as much as you can from the money you earn toward your debts and do it on a consistent, monthly basis. Also, it will take time to do this, but if you are consistent, you will see an increase in your score in as little as three months. Still, it's going to take at least 2 years of consistent bill-paying behavior just to reach a credit score that is slightly below average.
Another tip: sometimes your credit score is low because of errors on your credit report. Go to annualcreditreport.com to get a free credit report from each of the three major credit bureaus and review them for accuracy. If you see anything that's not correct, dispute it.
Also, avoid advertisements for credit repair. They cannot achieve what they say and all they do is take your money.
Good luck! |
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J R
|
If your score is so low, DO NOT take out another loan. The rates the bank will charge will kill you. Right now I would think about going to see an advisor and find a solution. |
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bianca
|
i don't thing you will get any loan with your credit score.
i thing your only option is to borrow money from family or friends. |
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cj
|
After Hurricane Katrina I added my brother as an authorized user on 4 of my credit cards and it helped his credit score.
This can work for you if you know someone with excellent credit. They do not have to give you any information about the account.It will reflect on your credit report and you won't be able to see the acct #. It will in no way negatively affect their credit.
Best wishes,
pup |
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CE S
 |
my suggestion is to try www.prosper.com. These people will lend High Risk people at high interest, but you still have a better chance than a conventional lender because instead of one person lending you the money, it's a whole community of people who put together the money for you.
GIve it a shot! |
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stopccdebt
 |
Please do not be upset by my advice. Your credit score is one of the lowest I have encountered. The absolute last thing you want to do is apply for any loan or line of credit.
The only way to improve your credit is to focus on paying off one debt at a time. With a score below 400, you likely have no positive accounts. Try paying off the smaller accounts that are still outstanding.
If you truly want to resurrect your credit, there are professionals that would be happy to assist. Make sure they have a satisfactory rating with the Better Business Bureau. |
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STEVEN F
 |
FICO scores range from 350 - 850. 397 is not good at all. I doubt an unsecured loan is likely. |
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sexytrojan
|
No.
If you don't mind some advice, pay off your smallest balance with more than the minimum. Pay the minimum plus the finance charges on the rest of the cards. Do this until the small balance card is paid off. Start the same cycle with the next small balance card.
Meanwhile, apply for an Orchard Bank card. Use it to buy some socks and then cut it up. Pay that off immediately. |
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luckistrike
 |
With a score that low, I'd think about bankruptcy. Chapter 7 |
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butterfly_kisses81501
|
not really...the best way to take care of your fico score, to start paying it off....after you pay off debt it can take up to 3 months to show on ur credit report....as soon as u do, apply to a secure credit card like a visa for 5oo dollars.....start slowly....and dont apply for too much credit for it will also bring down your fico.
You can contact whom ever u credit is bad and most of them will put u on a payment plan |
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INACTIVE
|
It's very unlikely... a loan isn't going to help you. What's the difference if you pay your bills slowly or repay the loan late??? Start working today on a plan to either increase income, decrease expenses or combination of both. |
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Frank Castle
 |
Asking for a loan to pay your debts is like buying a Hummer to save on gasoline.
You need to get a second job. |
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