personal unsecured loans
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Unsecured Personal Loan/Line of Credit
Asked by C.W. from Chicago
on February 19, 2011
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Hi girls!
We are looking to get an unsecured Personal Line of Credit to cover some expenses that will be reimbursed within 2 months of the initial expense (so the l...
Answers
- I use a Credit Union for all of my banking needs.
- Sorry this isn't much help. It's been many years since I've done this and a lot of lending laws have recently been changed, but I got mine from my credit union. If ...
- oh man, i used lending tree.com recently. i was really impressed, it was really cool. several lenders let you borrow their money to all add up to the amnt you need.....
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!
Debt Consolidation Possibilities
Asked by O.S. from Birmingham
on September 30, 2010
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Loans to consolidate credit card balances are especially hard to find right now but I desperately want to do this to stop the revolving credit and get out from under t...
Answers
- My advice would be to absolutely do this as a last resort. Consolidating your debt can DESTROY your credit. Are you with a bank or a credit union? I have heard th...
- Check out Suzy Orman's website. Don't use a consolidating company- They don't do anything that you can't do on your own, but they charge $$$$. best wishes!
- Don't do it. It is as bad as filing bankruptcy on your credit report. You can do the same thing as the company would do. Read, The total money makeover by Dave Ramsey....
Question About Buying Our First Home
Asked by M.M. from Columbus
on February 22, 2011
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My husband will be graduating physican assistant school in late May and we are excited to start the process of purchasing our first home. Over the past several years, ...
Answers
- CONGRATULATIONS on becoming a home owner!!! Yes, your debt to income ratio will be considered in your pre-approval for your mortgage. You need to get pre-approve...
- I believe your credit score will be affected by your credit card debt. Your credit score looks at the credit available to you and then how much of that available cred...
- I'm sorry that I can't directly answer your question. I hope that your credit issue doesn't affect the purchase of your home! Sounds like you are on the right road t...
Help...need Advice on Filing Bankruptcy!
Asked by C.W. from Philadelphia
on September 15, 2009
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Ladies,
I am at my wits right now recieving collection calls day and night. My situation is after quiting my "I hate this Company" job and going back to school for...
Answers
- I would suggest you contact a local credit couseling agency and get some advice from them. They are there to help people in your situation and may be able to help you...
- Sammy is right, the first thing you do is schedule an appt with a bankruptcy lawyer. To make the appt much easier take a statement for all credit cards, loans, etc. a...
- There is a very good company that helps people who are in pre-forclosure called Secure Property Solutions. You can google it and find out more info. and their phone n...
Debt Consolidation vs Debt Settlement
Asked by J.H. from Minneapolis
on May 7, 2009
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Has anyone had experience with either debt consolidaton ot debt settlement? I am trying to decide which one will do the least amout of damage to my credit scores while...
Answers
- we used consolidated debt and we actualy made our last payment in febuary, it was a great feeling after 4 years. you can call and get more information before you commi...
- I definitely would NOT trust most of the debt relief agencies you hear advertise 24/7. The way I understand it, they have you stop paying all of your unsecured debt a...
- Well, I have had client's who have tried both of these, and they both definitely have their bad side. Many debt consolidators that you see on TV are nothing more than...
Finances/debt
Asked by T.L. from Phoenix
on August 9, 2010
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If your finances started going downhill quickly- What would you let get behind first..IF..there was no other choice?
Credit cards/or house payment? We are scrambling ...
Answers
- I would think the credit cards because if you loose your home you will have a hard time finding another place to live (landlords do credit checks). Try to AT LEAST ma...
- I would make my house/car payments first and in full if possible. Right now it seems you have bigger things to worry about than your credit, so I would not fret about...
- Interesting question, either way your credit will be effected, but there are lots of things to consider. The main thing to consider is how temporary is this? Another...
Any Experience with Debt Settlement Companies?
Asked by L.R. from Los Angeles
on June 17, 2009
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I'm looking for success (or horror) stories that might help me properly consider whether this is a viable option for me. Any experiences or company recommendations wou...
Answers
- Hi L., I am going through Consumer Debt Solutions. I started with them in 2006 but my fist payment was 02-07. They are very helpful and I am almost done with them. ...
- Hello L., My husband and I just finished with debt settlement. It was a good experience. We used Credit Answers. The most important thing you look at is if the com...
- Hi L., Where are you located? My husband and I teach families how to make and save money (get out of debt, save for retirement, children's education, etc.). Our off...
Debt Consolidation Anyone Done This Before ?
Asked by J.K. from Pittsburgh
on June 13, 2008
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Hello Moms,
I have been researching online about debt consolidation and am still confused. I have a lot of chargeoff's / credit card debt that i want to take care of...
Answers
- I am doing that now, I did a lot of research too, I did find a company that seems to be ligit, we have had no problems with them so far. I belive we are using Freedom...
- Another Dave Ramsey fan here! My husband and I are totally debt free (including no mortgage), thanks to working multiple jobs, cutting spending, and bargaining with c...
- do you own a house? if you do you can look into a home equity or a line of credit...rates are pretty low right now. Can request quotes if you use lending tree. Int...
Short Sale
Asked by B.H. from Dallas
on August 28, 2011
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Hi has anyone done a short sale on there house, i am really thinking about doing it bc we are in a neighbor hood that is going down hill and schools that are not good ...
Answers
- I dont know much about it but a friend of mine had a horrible experience. She was way behind due to a divorce and just couldnt catch up. She knew foreclosure was close...
- We tried but the bank wouldn't accept any offers. They can put it in the contract that you don't owe the difference before accepting an offer.
- We are currently short selling our townhouse. We have outgrown it and will be able to rent something that we can afford, that will be large enough for our family. We b...
