bad credit payday loans
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Mom Seeking Info. Regarding Loans or Payday Loans
Asked by B.H. from Detroit
on December 8, 2009
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Hello,
I got this info in the mail the other day that said I was pre-qualified to receive up to $700.00 in credit/loan. I went online to check out the website and di...
Answers
- I used to work at a bank where I saw many of these types of loans overdraw peoples accounts. Here are a couple of things for you to think about: Do you have plans fo...
- Hello. This can seem like a quick and easy way to get a little cash on hand but if you pay a $45 fee over one month that is equivalent to a 180% apr!!!!!! I can't ev...
- DON'T DO IT!!!!!!!!!!!!!!! The government keeps a close eye on these places since they are such rip-offs. If you don't have the money to buy your kids Christma...
Personal Loans
Asked by C.N. from Phoenix
on June 15, 2011
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I can't decide so I'm asking you ladies for advice..I have been trying to get a loan and my credit is bad. Well I applied online and got a respond from a company. The ...
Answers
- No, I would not do this. Go to the library and check out this book: The Total Money Makeover by Dave Ramsey. It will help you start dealing with your finances and take...
- Well they are damn near impossible to google so I would imagine they shouldn't be trusted. Sounds like the money must be in one of their checking accounts? As othe...
- I would do some research on them - find out how long they have been in business. Try to find some reviews on them. There are a lot of bad loan officers out there!
I'm Getting Married to a Man with BAD Credit
Asked by C.E. from Jackson
on June 2, 2009
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I love my fiancee' very much and cannot wait to marry him. Quik question though. His credit is not swell and he owes out a fair amount of money. That we cannot afford ...
Answers
- Hey C., My advice is to seek legal advice about protecting yourself. I always swore to marry someone who cared about their credit and debt as much as me. I just f...
- The laws have changed a bit, but you might want to consider bankruptcy for him if you're talking lots (over 10k). This worked for us, but we still borrowed some money...
- As long as you apply for future items in your name you should be fine on a credit application. The only problem will be that in that case EVERYTHING will be in your n...
Needing Advice on Credit Repair
Asked by T.C. from Oklahoma City
on April 20, 2008
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well I'm experiencing some bad decisions I've made in the past,...I want to correct some bad credit. I've been wanting to refinance my current mortgage,..and well my c...
Answers
- Hi, T.: Check out my website at www.safeharborcreditrepair.org I've been through it and that's how I ended up in the business. I've been in mortgage lending for...
- Go to www.annualcreditreport.com to get a FREE copy of your credit report from all three credit reporting agencies. Reports are free once a year. This is the only one ...
- There is not an easy way to repair credit. It takes a couple years to repair damage that you have done over the years. If you are too far in debt, look at all your o...
Credit Card Debt
Asked by D.G. from Lincoln
on March 3, 2011
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A friend at work and I were talking about that ad we hear all the time about if you are $10,000 in debt and they'll get you out of it. Does anyone know anymore about ...
Answers
- If you are not delinquint (sp?) on your current debt I would suggest working on the Dave Ramsey method of snowball to pay off your debt. If you ARE delinquint contact ...
- If you are settling, that could hurt your credit. I have used www.careonecredit.com They are a credit counseling service and it will NOT hurt your hurt as some peop...
- Like the other moms said, it will ruin your credit. They will advise you to stop paying your credit cards for 6 months, and only then will the credit card companies ne...
Credit Card Debt, Are We the Only Ones?
Asked by J.M. from Boston
on April 8, 2011
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This is so embarassing but my husband and I have HUGE credit card debt. We have transferred things to lower interest over last few years and try to pay above the minim...
Answers
- Yes - but we are working through it. Dave Ramsey has changed our life.
- I used to feel the same way. I stay home too and my husband makes a great income but we lived paycheck to paycheck. I started an internet franchise part time. I now...
- We are FINALLY "in the black" (hallelujah!!! hallelujah!!!)... meaning that for the first time in nearly 10 years, we have savings (money left OVER 2 weeks after being...
Seeking "Sound" Advice on How to Recoup from Major Credit Mistakes
Asked by S.D. from Houston
on January 26, 2009
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Long story short..Former SAHM recently returned to workforce, but not before my husband and I ran into some really hard financial set backs. Our credit has been great...
Need Financial Help BAD!
Asked by D.L. from Dallas
on October 11, 2007
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my husband i are having SERIOUS financial issues. we don't argue about them b/c we do everything we can to keep it to a minimum. well, about a month and a half ago h...
Answers
- D., I read the advice you've already gotten. You should definitely talk to the bank ~ most of the time they will try and work with you or at least recredit you some ...
- Well, I would start by calling the companies whose bills you can't pay and see if you can work out a deferred payment or payment arrangements. Just be honest with the...
- D., I can empathize on what you are going throught right now. I have been in a similar situation before. Im not sure about any financial service but there are some sh...
I Need a Loan
Asked by C.B. from Oklahoma City
on October 29, 2007
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Our credit stinks! We have had a hard couple of years, child with cancer; husbands job change; etc... I have tried to get things back on track but have had no luck. ...
Answers
- We got into quite a tight spot and were using payday loans. You can get up to seven at a time (at different places) and they vary on repayment plans (ours was 2wks). T...
- Kinda vague on what for and how much....if it is for going back to school try to get a pell grant...4,000 and you don't pay it back....it disperses as you go to school...
- It may be too late, but if it's medical bills, you can always contact the hospital or doctor and tell them your situation and sometime they will give you a discount or...
Help!!!!
Asked by N.D. from Kansas City
on July 18, 2006
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How do some of you do it?? I'm single raising 2 kids on my own & I basically live paycheck to paycheck. Everytime I try to put money in my savings account, I end up ha...
Answers
- I too got into the payday loan trap and it is the worst thing possible. I recommend filing for bankruptcy. It will wipe out your debt. Mark Johnson at the Wagoner B...
- Have you thought about refinancing your house, and taking the money out? I know a great mortgage broker who is good to work with, and can get loans through (even with ...
- I agree with who posted the comment about payday loans. In my algebra class last fall, we figured out the interest on a loan and it ended up being about 1 2/3 more in...
