unsecured bad credit 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!
What Is the Best Way to Repair Your Credit After Filing Bankruptcy?
Asked by S.M. from Chico
on January 17, 2007
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I filed for bankruptcy 6 years ago...and have yet to even TRY to think about doing anything on credit since. However, my husband and I want to buy a house, therefore,...
Answers
- I bought my first home after filing Bankruptcy after only 3 years. I had a very goood loan person. His name is Merrick and here is his contact info. 1301 SE Tech Cen...
- Hi S., My name is C. and I am a Real Estate Agent. I Know quite a bit about Credit and you CAN recover from a bankruptcy. I do credit Repair, it works really well. Wha...
- Just FYI, when still in bancruptcy, any type of credit is under the bancruptcy meaning it does not count either way. So, it is obsolete. If the bancruptcy is done, t...
Best Way to Increase Credit Score
Asked by T.B. from Seattle
on July 17, 2009
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My husband and I are planning to refinance our home within the next 90 days. However we would like to increase our credit scores as much as possible within these 90 d...
Answers
- It really depends on how much you could spend and what types of cards they are. Have you credit pulled lately? This is the first step to make sure that your credit re...
- I would check out Suze Orman's website to see if she has any info that would help. http://www.suzeorman.com/ But, based on some of the stuff I heard her say - your ...
- I would say that completely paying off and closing 4 is the best option. Having lots of cards open counts against you even if your balance is low because you have so m...
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...
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...
Debt Consalidation
Asked by C.C. from Dallas
on January 5, 2012
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Has any one ever done debt consalidation thru a debt consalidation company? Considering and looking for feedback?
does it mess up your credit score in the long term?...
Answers
- C.: DO NOT DO IT!! Go to the library and get Dave Ramsey or Suze Orman and do it yourself!! If you want to pay someone to pay your bills - pay me. I'll make d...
- Years and years ago I had a friend who went to a consumer credit counseling service. It was free, reputable and helped her. Unfortunately my understanding is that the ...
- Debt consolidation does not effect your credit one way or another. All it is is taking all your debts and getting a single loan for the balance. It tends not to save...
Advice Needed for Minimizing Small Business Debt
Asked by M.D. from St. Louis
on October 15, 2008
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I left the corporate world and decided to make my own job after my whole department was laid off. I worked in Aviation for nearly 15 years. I seemed to be lucky enou...
Answers
- I would strongly reccommend that you check out www.daveramsey.com. My husband and I went through his Financial Peace University about 18 months ago and I can't tell y...
- I would advise you to contact your creditors. You can ask them to lower your rates, but don't stop there. If you have a reasonable amount of money that you can affor...
- www.daveramsey.com this is all the direction you'll need.
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...
