Help For Bad Credit Knowledge Base
I have bad credit and need financing for my business to expand? Does anyone have any ideas on how to do this? Hello, I have a small residential and commercial cleaning business that I am looking to expand. I have been shopping around for financing through traditional lenders, but due to my 518 FICO score and millions of charge-offs, I can't get fianancing. I have applied to a few non-profits in the state that I live in. I have also been pitching my case to some friends. I don't have any family that can help. They all have bad credit and so do much of my friends. I really do not know anyone with cash on hand either. I have been looking into getting an angel investor or a venture capitalist, but I do not know if that'll work. I've posted an ad on Prosper and I never get responses. Again, I think that this is due to my bad credit. I am seriously running out of ideas. I have 15 months invested in this and I do NOT want to give up. Does anyone have any suggestions or can anyone suggest a place that can help me? I know I need to fix my credit, but I need the money to do it. Please, please, help!
I have bad credit and am desperate to find an apartment in Mass? I am currently going through a divorce and one of the main reasons I am divorcing my soon to be ex is that he has ruined me financially. My house is foreclosing and I need to find an apartment between Dighton, Ma and Bridgewater, Ma. Here's my problem. My credit since I have been married is terrible. I am very dependable and have been at the same job for almost 8 years. I can provide personal and professional references and pay a few months rent in advance if need be. What can I do? People with bad credit have to live somewhere, right? Help.. I don't want to end up homeless. Any ideas or suggestions would be great.
How can I get a business credit card despite bad credit rating in Canada? Help! I'm trying to start up a business and all I need is a $10k business credit card. But I have a bad credit rating and so far lenders insist I must have a strong co-signer. But I can't get anyone to do this for me (long story) Any suggestions? In answer to the first responder, it's a self-employed business. I'm the only employee. It's a long story but my personal financial mess is a combination of the high tech collapse (I'm an engineer) that has gone on 6 years, 3.5 years unemployed for myself. Plus, I have a medical condition. I finally made a bold move to get around the medical condition so I can start my own business, now all that is stopping me is a co-signer. I agree, it's not an enviable position but I have no other choice. Is there any way to get a credit card without a co-signer when you have a bad credit rating?
How exactly do you get bad credit removed from your credit file? I have written letters, sent in documentation over and over again and have not been able to get items removed from my credit file. Many things are not mine, information is plain wrong even my birthday and still I cannot get them changed or removed. I pay my bills on time but due to all this bad stuff... for years and years... I cannot get a good credit score or even get credit. Some of the big things are an IRS report of a paid lien dating back to 1989 under my ex-husband's ss#. Another are medical bills owed by my ex. And also a foreclosure and I have not ever had a foreclosure! I did get a bankrupcy removed by being in a class action law suit. I have never filed for bankrupcy. Help Please. This is so unfair!
How can I rent an apartment or house with bad credit? I have bad credit. Live in Los Angeles. I've been at my new job for the last 3 months and I will be here for a long time. My salary is $2500/month but with commissions I take home anywhere between $5-10k/Month. At this point price or down payment is not so much of a concern to me given that I make respectable income however how do you I show or find someone to work with me? Help!
Please help: How do I get a bad credit loan that is more than a payday loan? I have a bankrupcy and then married a man who has very poor credit. However, I have a good income at a stable employment. I am even willing for automatic withdrawls to assure payment. I just need an urgent loan that is not a payday loan. Please be aware if you are following any of these links that anyone from Nigeria is suspect. One scammed me and to be honest I have not cleared up which one because information was accidentally sent (by me) to the wrong person however I am informed that the other person also received a deposit that could only have been paid to them with ID. These people are GANN TIFANY" <ganntifany_loanfirm@yahoo.ca and Elly Financial Home" <ellyfunds@yahoo.co.uk. Both are from Nigeria and both are refusing to prove their reputable nature by making good on the loan offered. In filing my fraud complaint I found that Nigeria is notorious for fraud of this nature. Although I was also informed there are good companies there so, just be certain who you are dealing with. I will update if one of these companies does prove to be honest and provide the promised loan.
What is the difference between good credit and bad credit? I have a lot of credit cards to pay and always make the minimum sometimes a little bit more then the minimum per month. But I don't know the difference between good credit and bad credit. Does bad credit involve not paying your credit? what is the difference between these two terms?
What is the best cellphone company for bad credit? I have a friend with bad credit and she's tired of prepaids. She's trying to find a cell phone company that allows people with bad credit to have something at least. Which one is good. I don't have bad credit and know most companies will give you no hassles, but don't know anything about bad credit. Which company should she try?
How do I get a Business credit card with bad credit? I am trying to consolidate my bills and get my credit clear so I can start a business.I have very,very bad credit and I am tryiing to start a business. How would I get a credit card for my business with extremly bad credit. And who will except me?
What is the best way to rebuild bad credit? Im 17 years old and I was stupid when i was a little younger and got some credit cards. I maxed out all of my cards not being aware that it would mean anything not to pay it back. I also got a few cell phone accounts and direct tv, hehe...i was only 15 or 16 and i was living on my own, i didnt know right from wrong then. Overall it is about $2500 in debt, will this be a major mark against my credit? And please dont judge me for being so stupid, i know it was a bad move now, and i have learned from my mistake. Now i just need help.....
How Can i buy a mobile home i i have bad credit? I have bad credit and i want to apply for a mobile home is it hard to pass? what can i do to buy a mobile home? is there something i can do to make it easy for me to buy a mobile home? please help thank you!
How can someone with bad credit get a Loan to purchase rural land? Single Mother, in a bad car accident several years ago...result bad credit from collection companies for unpaid medical bills I want to buy two acres of land, I have no money for downpayment, can anyone point me to a lender that does lot land or land loans with a credit score of 549.
How can a person with bad credit buy a car without a co-signer? I have only owned old cars that were passed on to me by my father. I have never actually went to a dealership and bought a car before. I feel trapped! The car I have now is falling apart! My parents and friends eathier have no credit or bad credit, but mostly just bad credit. So there is no way I can get a co-signer! I called a credit union today and they also said they couldn't help me. So I am confused. My father has purchased all of his cars through a credit union... Can someone please help me?! & yes, Kia rejected me also!
How do you get an credit card with bad credit and if you are working by cash income? I working at home because I am disable, the only way I make money is building a website to earn money and all my money go to the bank, i do not get paystub but cash because it been deposit in the bank, i want to get an credit card but I have bad credit, i will like to know how you build an credit if you cant get an credit card, i want one for orders and things of that nature! Do someone no how ,what bank offer credit without looking in to your credit?
Does Having Bad Credit Affect Your Eligibility To Join The Military? I have bad credit, and was interested in joining the Air Force reserves. I am curious if this is going to affect my ability to obtain a security clearance or not. I am having such a hard time getting in touch with a recruiter, and am still waiting for my calls to be returned. I am curious if this is a waste of time for me or not. I am planning on fixing my credit, but have been financially unable to do so.
How can I get a credit card with rewards when I have bad credit? Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much that it is a waste to not get rewards, but it is hard to get rewards with bad credit. Any advise?
If you have good credit and your spouse has bad credit, how much does it affect you? I'm debating this with my boyfriend. He says that if he has bad credit, and I have good credit, and we get married, his bad credit will not affect me at all. I say that when we're married ,we share money, so any monetary problems HE has become monetary problems WE have. Is he right, or am I? OH, my boyfriend doesn't have bad credit, we're just giving a hypothetical situation! =P
What should we do when buying a home if I have bad credit but fiance has excellent credit? My fiance and I are looking at buying our first home. I made mistakes when i was younger with my credit and now have bad credit. I have worked out payment plans with my credit card companies and am working to repair my credit; however my fiance and I want to buy a house. He has excellent credit. What is the best way to go about this. We both are newly out of graduate school and have recently started jobs with modest incomes, but I make a little more than he does. Would it be better for us to apply for a home loan together or for him to apply without me so that my credit is not factored in? Thanks.
Does Primerica help people who have bad credit to become debt free and financially independent? I am strongly thinking about joining Primerica after attending the opportunity night. I really like the opportunity to help people out with overcoming their financial burdens to become independent from a job. However, all the time I was at the Primerica location I started to wonder if joining Primerica, would I be able to help those with bad credit or is this only for a set group of people that have good to perfect credit. I look to help every one and if this is the case I would not feel like that is being fair to everyone. So I am looking for unbiased (please) comments about this. All comments and answers are greatly appreciated.
How long does it take to heal bad credit? This month I will pay off my final collection agency credit card bill-meaning I will owe nothing. My credit rating and history though is pretty bad-How long will it take for my credit to to'heal'?
How can we transfer property in an amicable divorce if the other spouse has bad credit? My wife and I are filing our own very amicable divorce. The house is currently in my name and we wonder what our option are for what we can do with it. Ideally, the house would be put in her name but refinanced at a higher cost - net cash out to me. The problem is that her credit is really bad (mine, too), and a refinance in her name may have horrible terms. Is there a way to transfer the ownership of the house to her under the terms of my (the current) mortgage? Any help is greatly appreciated.
How can you get bad credit from a bank account? My mom was telling me that anyone listed in the account will suffer from bad credit even if the account is being used by one person ... How is it possible to have bad credit form a bank account and is what my mom told me true?
What the best secured credit card with bad credit? Anyone know of any really good secured credit card deals for people who have bad credit? I'm looking for one preferably with minimum annual fees. Actually I just read what the difference between secured and unsecured is and I really want an unsecured credit card. Is there any that you would suggest?
Where can a person with bad credit get a loan to pay off debt? I had some trouble with credit cards in the past and it's all catching up with me now. I would like to get a loan to pay off all of my debt so I can start fresh again. I have a full-time job and I just want to get my credit back on track. It's not that easy when you have bad credit, because nobody will approve you for a loan. Are there any places that give loans to people like me?
How can you get an apartment with bad credit? My boyfriend and I want to get a place together. He has bad credit and I have basically no credit. How can we get an apartment? Is it possible? Any advice would be appreciated! Thanks!
Can you become a police officer with bad credit or bankruptcy on your credit report? I am going to be taking the Basic Law Enforcement Training program this year. I should be done in December, so hopefully I'll be finding a job around early January. Anyway, I currently have bad credit. 545 score to be exact. I have heard it's very difficult to become an officer with bad credit so I am seriously considering filing bankruptcy. I have heard it takes around 6 months and your credit will be as good as new and thus, hopefully I would be able to get a job as a police officer. So, does anyone know if this is the best way to go about it? Thank you for any information.
Can an employer give you a company credit card if you have bad credit? I have bad credit and have a prospective employer that is looking to hire me. They provide their employees with a company credit card with our names on it, we are responsible for making payments but return our reciepts to them so they pay us back, however I am afraid if they do a background credit check they will withdraw the job position from me. Can they do this? Can they still give me a credit card even though I have bad credit?
How can you get an apartment in Chicago with bad credit? My friend is trying to get an apartment and has not been approved yet. He applied for two different apartments, both of which he was not accepted due to his bad credit. What can a person do to get around this problem. He makes plenty of money, he just has a bad credit history. Does anyone know what he can do short of getting a cosigner?
How much will my hubands bad credit affect my credit? We don't own anything together, no house, no joint acounts. Financially, we are completely seperate. I knew he didn't have great credit when we got married, I didn't know that it was as bad as it really is. If we always stay seperate (at least on paper) will my credit eventually go down the tubes?
What can i do about my bad credit? I have made some mistakes in my life that unfortunately has put me with some bad credit. Now i have been trying to straighten out my life and am currently in the United States Marine Corps. Now i want to fix my credit and straighten out my life. Does any one got anything that can help? Or is there a way that i can get a loan to fix who i owe and be able to pay just that one loan back? Please help. Or pray for me. Thanks you.
Is refinancing your home possible with bad credit? I entered into a Debt management plan a couple of months ago to consolidate my bills, my credit was over exstended and to keep from getting behind we entered this program. I now realize that I could probally refinance my home and borrow on the equity to pay off debt. My home is owner finance, it was just appraised for $111,000 and we only owe $39,000 on it. What I am wondering is if it is possible to get a refinance or home equity loan with no or bad credit? If so where?
Is there any lender willing to give a bad credit loan? I had bad credit and have been turned down for loans from banks as well as other online lenders. I have a stable job and I am able to pay back the loan each month. I need at least $5000 and I am curious if anyone has any legitimate answers and/or soultions to this question. I have spent months trying to figure this out and cannot get any assistance.
What is a bad debt write off for credit cards? I am 3 months behind a credit card payment and they sent me a letter stating they were going to write it off as a bad debt. What does this mean? Do I have the payment still. I am confused as to what this entails.
How to find an apartment with bad credit? It seems that no matter how much money you make if you have bad credit you may end up on the street. Is there any way to get around this? Assume there's no co-signer. Are there any places in the '408' someone knows about where they look at references instead? Thanks to anyone who can help.
What determines if I have good credit or not? Is it bad to have little credit? Just curious what my credit might be like. I have lived in a apt for the past 5 years, never been late. I have 1 credit card I use off and on. I have always made payments on time, but have never put a large amount on it. I know I have good credit, I guess I'm just asking does this mean I have no credit, and is this just like having bad credit?
Help getting a credit card with bad credit....? My credit score is 550...I had 2 collections accounts and they are closed. I need to get a credit card but no one will approve me. Can anyone tell me a credit card I can get approved for and it will help me rebuild my credit?Thank you
I have a Bad Credit. Where to go for Auto Loan? I have a Bad Credit so it is really hard for me to get a loan but I was able to get a close friend to cosign for me. However, my friend has just an OK credit. What are the chances of me getting a Used Car auto loan approved? I'm seeking a loan of $10,500. Which places do I have the best chance in (ex: credit union, bank, dealer)?? Thank you for your answers
I need a bad credit mortgage company, can any one help? i need a mortgage and have little money down. monthly income is around $5500 and really no other bills. however, i have a bankruptcy that is just over a year old. my credit scores are 630, 624 and 600....does anyone have any suggestons where i could find a mortgage company that will finance me with the mortgage meltdown as it is now?
How does a bad credit auto loan really work? My credit score is probably 0 (yes I know that's not possible) but it's pretty bad. Say for example I want a $5,000-$6,000 car, how much would I have to put down and how much would the interest typically be?
0% Financing from stores - good or bad for credit score? I have pretty good credit (~730), and I have 2 revolving credit card (that I pay off each month), and no loans/mortgages. I'm buying some furnitures and I'm considering taking advantage of the 0% financing at BOTH the mattress store and the furniture store. I heard that adding 1 structured loan to your profile might be good, but what about adding 2 structured loans at the same time?
Do you believe that your bad credit should stop you from getting a job? If bad credit keeps you from getting a job then how will they pay the bills? I have had bad credit before, but I never did anything wrong at work. How can they allow this to happen. I hear even insurance companies are checking credit reports. Many times My bad credit didn't affect how I paid my mortgage, car, utilities ect. Just a few things. I've been in one place for 20 years with out good credit. How can they judge everyone like this? Is it fair?
I have bad credit - if I open a new business, can I apply for a credit card that has "fresh credit"? I have bad credit history - if I open a business, and apply for a credit card, will they still pull my credit and still decline me, or will they issue a new credit card under the new entity (new business?) Also, if they do issue this new card, will good credit history of payments ever be reflected to my personal credit history if the payments on time are done under the business name's credit card?
Where can i get approved for a car loan even though i have bad credit? Isn't there a commercial or something about bein pre-approved for a car even if you have bad credit with no money down as long as you have a job and you can pay a hundred some dollars a month? I had a forclosure on my home a couple of years ago and is needing a new car soon. Any help would be appriciated! Thanks!!
Anyone know where to find a personal loan for bad credit? I have bad credit and need to get my car fixed or payed off ($ 1500.00). Need a personal loan. The best would be an amount, so I can pay my outstanding debt off. A loan for about 3 to 5 years. Any suggestions??? Websites? Banks?
Can I apply for a bad credit at no cost to start? man I struggling I need money I want to know can I get a bad credit card without paying for the activation fee I want to use it to start a business to make money am very serious I running low on money. I try looking for a job but I want money I can't do cash advance where they deposit money over night I need to work. I fighting I need to stay alive.
What is the best online auto loan for bad credit? I have no money down, bad credit, no cosigner and applied at multiple banks and got denied so now i am resorting to online auto loans. (i didnt want to go down this route before because i didnt know if i could trust online loans). i've read suggestions like lendingtree.com and eloans.com but i want to apply somewhere that can help me and not ruin my score even more!
How can I get a major credit card with bad credit? I am fixing my credit right now but I am booking a trip to wisconsin and they want a major credit card not a debit card. Is there a way that I can get one even with bad credit? I am not trying to make money I just need a credit card for a one time use.
is there any place i can get a loan for school with bad credit? i need a loan for a private tech school for $6000.00 but i have really bad credit and no one who can just loan me the money and this is the only school i can find that has the hours i need and will work with me not having my ged results yet? any one know of any REAL non scamming places i can try to get a loan?
Bad credit in a recession...advise for future? i have bad credit but im looking to get ahead by the time we get out of recession...im slowly paying off debt(i have a few credit card charge offs and am late on school loans) im trying to find cheaper hosing and keep my expenses low... what can i do to help me get ahead when the economy bounces back...id love to buy a home but have bad credit and dont think i could... i am also looking for a new job please give me some advise thx
How to get a REAL cell phone with bad credit? Does anyone know of any companies that offer cell phones to people with bad credit? I dont want a pre-paid one. Just a regular monthly plan? I live in central North Carolina and cant seem to find anything! Thanks for your help!!
Will Osap deny my application if I have bad credit? I have credit for someone elses loan that they are not repaying. It is affecting my credit and I am worried when I need to apply for Osap. I read that Osap does not deny you education even if you have bad credit. Is this true or am I going to run into problems?
Need auto loan for very very bad credit? I have the worst possible credit, but I need a loan for a car something fierce. I have no family, and no one who could cosign for me. That's in part why my credit is so bad that and student loans and hospital bills. Do any of you know of a loan company online who might consider me? Ive tried most of the well known places already. Thank you in advance for any help.
Any loans out there that will work with bad credit? I need to get a lawyer! Most want anywhere from $1000 to $2500 down. I really need one but I have bad credit and I know with my bank I won't be able to get a loan. Can anyone help me out with suggestions or advice?
How can i get a bad credit loan for $2000? My transmission in my car died on me, and now i need a new car...i found a couple of neons around me for $1500-2000....but i have HORRIBLE credit, so i dont think i could even get a personal loan. can anyone give me some advice on what to do or where i can go to get a loan?
I need some help looking for a loan with bad credit.? Me and my dad were recently hurt. We were victims of a violent crime in a gang initiation. since then my dad cant work as much as he did before, and with the economy hitting hard it has completely got us hurt. i was stupid enough to start getting check cashing pay day loans and now i have 7 added up. i feel so stupid for getting into the situation but now its an impossible cycle to end. it has made it impossible for me to pay other bills. and its hurting my credit. every 2 weeks i lose about $250 having to recycle these loans. i just need a loan of about $3,000. do any of you know of any legit websites that might approve me? I really want to be able to start college. and get medical insurance. Im 19 and at this rate' im scared im going to lose years of my life in this rut.
I need some help looking for a loan with bad credit.? Me and my dad were recently hurt. We were victims of a violent crime in a gang initiation. since then my dad cant work as much as he did before, and with the economy hitting hard it has completely got us hurt. i was stupid enough to start getting check cashing pay day loans and now i have 7 added up. i feel so stupid for getting into the situation but now its an impossible cycle to end. it has made it impossible for me to pay other bills. and its hurting my credit. every 2 weeks i lose about $250 having to recycle these loans. i just need a loan of about $3,000. do any of you know of any legit websites that might approve me? I really want to be able to start college. and get medical insurance. Im 19 and at this rate' im scared im going to lose years of my life in this rut.
If someone has bad credit will that hurt their chances for being on the amazing race? if you have bad credit, meaning late payments, some chargeoffs, etc. no bk or foreclosure or repossesions, just some older stuff on your credit, and some missed payments will that disqualify you in the producers eyes for being on the amazing race? or any reality show for that matter. I always wondered that. Do you have to have perfect credit to be on the amazing race? i would think so.
Is vehicular homicide bad for your credit rating? I am worried about this, I get into a lot of accidents.... once i got really drunk...... you know what happened.... I want to buy a house and am worried what the bank will say about my credit?? please help!
What are the best student loans for bad credit/no credit.? Stafford loans are based on income right? If I don't get any government aid, what is the best loan for me if I have somewhat bad credit. I need something with a low interest rate. My tuition is going to be about 21,000 a year. I am also an undergrad student.
How can I get a home loan with bad credit? I am desperately wanting to purchase a home for me and my children. I have a steady income and the down payment but my credit is in bad condition. We desperately need to move from our area, but the rental amounts are too high. I attempted to acquire a loan through Bank Of America, but was denied due to the credit issue. Does anyone know of any lenders that may specialize in this area? Any assistance or advice is greatly appreciated.
How do I get a student loan with bad credit? I have enrolled in college and have recieved finaical aid, and I will be getting money back but I wont recieve the money until the fourth week of college. Unfortunately I need the money now, so I can keep my car and pay for babysitting costs. So I will need a short term loan until my finacial aid comes in at the end of September. I have really bad credit and I really need a hand with this.
I have a really bad credit rating and a CCJ, am I still eligible for a student loan? Does anybody know how I can find this out? I already took out a student loan back in 2006, but had to drop out of university within my first semester. I really want to go back, but in the last three years I have ran up some bad credit and make some very bad choices, does anybody know if I am ineligible for student finance because of this?
How do you buy a engagement ring with bad credit? I have bad credit, and no bank account, but want to buy an engagement ring? How can I get one if I can't get any credit? But I have about a month and I'm taking my g/f to see Madonna, her favorite singer, and I would love to propose to her that night!
Would it be okay to file taxes jointly if I have bad credit and my wife has excellent credit? I want to file jointly because we are going to get more refund. But I heard that if we file jointly creditors can come after my wife because of my bad credit. Is this true? Please note that most of my bad credit was before we were married. I only have a couple items that went in collection after we were married. I can easily pay them off. Any advise would be greatly appreciated.
bad credit, looking to move into an apt that does a credit check? I am looking to move into a great, CHEAP 2 bedroom apartment with my daughter, and sister. My sister has decent credit, not great, not bad. I have terrible credit. Just awful. They run a credit check on all adults applying to live there. There are other apartments out there, thru owner that I could occupy. However, this one is a great deal. Is there any way around this dilemma?
What is a good Mortgage company that will help people with REALLY BAD credit.? I am a stay at home mom, and my husband just recieved a good raise and is currently making 30,000 a year. But our credit is really bad from hospital bills and one eviction. No credit cards, bankrupceys, forclosers, or repos on our credit, but no one wants to give us a chance. We are out of room in our appartment and we really need a house. Someone please tell us who would help us in the state of Indiana.
I have very very bad credit. Will a co-signer with good credit help me get a loan at the credit union? As I said I have very very bad credit due to unfortunate circumstances. Some were my fault than again others werent. I have creditors coming after me and also have had judgements. I am smarter these days with my money. I just want to rebuild my credit for one and I am more responsible these days. I want to borrow close to ten grand so I pay everything off. I dont have any collateral such as a house. My parents who have good credit say they would cosign for me. I know I am a lot smarter now and more responsible and I am capable of making payments. I am in a credit union so my question is would it be likely for them to lend me money with my parents as cosigners and me being labelled as high risk? I just would like to know because I know by applying to all these loan places It goes on my credit report and I wouldnt want their credit being hurt from being denied.
I need to borrow $5000 with bad credit, can someone help me? I have been trying to get a loan to consolidate some payday loans I had to take out to move unexpectedly. I have very bad credit and have been through a bankruptcy that was discharged in Jul 06. Because of the move my bills have fallen behind. I am currently looking for a part time job to help pay off the bills but haven't found one yet. Is there a legitimate place I can borrow the funds to pay off the loans so I can get back on my feet. I have been scammed by people from Nigeria and United Kingdom before and do not want this to happen again. I have tried everywhere including prosper. Can anyone help me? For everyone's information I have a full time job and am still looking for a part time job as well to help get out of this situation. I am raising a seven year old grand daughter on my own. I had a job interview for the second job and may be starting it the first week of April. I may not be able to get to work if they take my car. Please is there some legitimate lenders in the US who can lend me the money so I don't lose my car?
Help...We have bad credit and make quiet a lot of money by cant get an apartment. Any Suggestions? We are a couple looking to move into an apartment in Kalamazoo Michigan. We will be attending school and working full time. Unfortunately due to previous circumstances that happened in the past we fell in to the bad credit mark, we both have bad credit and know our credit score in under 600, and now we are finding it hard to get a decent looking apartment to move in to, this is our first time renting. We don’t have a co-signer and it would be very hard for us to get one. If you have any suggestions and Ideas we would really appreciate all the help we can. Thanks so much
I need a legit loan, i have bad credit and i cant pay anything up front can anyone one help??? Please help me and my family we are in soo much debt and our son has kidney problems we've tried everything but we have bad creit and have been scammed by soo many people in Nigeria its unreal, guess we should've learned our lesson the 1st time. Please help us we have good job and good pay just horrible credit and has tried everything. Please help us I even got a second job!
Who is doing something to help homeowners with bad credit? Lenders are turning people down that have never been late on their mortage, have fico's in the 600's, have owned their home for more than 2 years. In the past you could refinance into another loan even if the credit wasn't the best and you didn't have 3-6 months worth of mortgage payments in the bank. For those who say these people shouldn't own a home, I ask what would you have done if no one would've given you a chance? Would you have been able to get what you needed or get where you are? Lenders are looking out only for themselves and their investors, but some middle ground must be established. Does anyone have information on what consumers can do to really pressure the government to step in and work something out with the lenders.Are there any organizations pressuring the government to step in and help people that are currently in homes with adjustable rate loans that are going to go up 2-3% raising their payments by $800 or $1000 per month? I am not suggesting a bail out by taxpayers. I am asking that the government intercede to pressure lenders to come up with a solution on homeowners behalf.
Can I qualify for a Home Loan with Bad Credit? I have a credit score of around 550 or so. Although I have worked as a full time firefighter for 4 years now which may help as far as job security goes. Also, I have good rental history with timely payments for over five years. My wife and I make about 100K a year combined. Her credit isn't the greatest either. Any advice would be apprecitated.
What are some of the lending banks that help with home loans and bad credit? I HAVE A LOW 500'S CREDIT SCORE, WE HAVE BEEN A STRUGGLING FAMILY FOR YEARS NOW, WE HAVE 7 KIDS AT HOME, 4 ARE FROM PREVIOUS MARRIAGES.WE ARE IN THE NEED OF OWNING OUR OWN HOME, IVE RECENTLY GOT A PROMOTION AT WORK THAT ALMOST DOUBLED MY INCOME.BETWEEN THE BOTH OF US WORKING WE MAKE ROUGHLY 80 A YEAR. CAN WE STILL GET HELP WITH A HOME LOAN?
Are there any companies out there that really help people with bad credit get a loan? I have really poor (like a score of 520) credit that I established when I was like 18 and 19 years old, I am now 26 and I want to get a small loan for like $5,000.00-$10,000.00 to pay off some of my debt and get caught up on my bills. I am a single mother of 2 and I need to figure something out. I have been at the same job for 2 years so it's not like I am just sitting on my butt trying to get money. Are there any legit companies out there that will help me out with getting a loan? I would appreciate any advice that is given.
Does Primerica help people who have bad credit to become debt free and financially independent? I am strongly thinking about joining Primerica after attending the opportunity night. I really like the opportunity to help people out with overcoming their financial burdens to become independent from a job. However, all the time I was at the Primerica location I started to wonder if joining Primerica, would I be able to help those with bad credit or is this only for a set group of people that have good to perfect credit. I look to help every one and if this is the case I would not feel like that is being fair to everyone. So I am looking for unbiased (please) comments about this. All comments and answers are greatly appreciated.
Help! Can anyone tell me a place to get a bad credit personal loan? I need a personal loan and I am so lost because of my bad credit. I have tried american general but was refused. I was offered a loan through international trust but I am very skeptical because I have to send them 700 as collateral. I am so lost please someone out there help me!
What is the best agencie to help fix bad credit? I was wondering about an agency that helps restore damaged credit and help pay off old debts. And some other ways to start restoring my credit. THANK YOU FOR ANY HELP! I want to pay off my own debts. I was refering to possbily consolidating them into reasonable monthly payments.
Where to get help with paying for school with bad credit? Need help paying for school and other expenses, housing, books, etc. have not so good credit and getting a co-signer could be an issue. Actually as of right now school expenses as far as tutition, books is taken care of but housing and transportation is the problem. Are there loans or anything I can get were I can use that money for these expenses?
Does anyone know a lender or investor that can help me with a start up loan with no resources and bad credit? I do have my business plan. I got help with it from a member of SCORE from the SBA. I am trying to build a restaurant. Yes it is new. A building has come up for sale that would work to become established. I do not have the money to invest of my own. I need either a 100% start up loan or a combination of loans. A private investor or even a co-signer for future pay on considered investment. I don't how this could be done. I have some ideas but getting a lender to them is another story. If I could come up with some money, I might be able to get the owner to carry a portion. The building is on a 21,166 Sq. Ft. Paved corner lot. The building is a free standing 3,028 Sq Ft. Structure built in 1973. Yearly taxes are $5,315.00. It is anchored. Price $415,000.00. I am trying to get a $500,000.00 loan to remodel, equip, stock and get the place open with operating capital and a very small cushion to start making repayment. I do have experience in this as well as Management exp. from previous.
My mother has bad credit, and wants me to cosign but I dont want to. How else can I help her? I love my mother but I know if I cosigned or put an apartment under my name she could ruin my credit and I cant take that risk. She has banks/credit cards garnishing her wages and has no money to claim for bankrepcey. I want to help her without having my name dragged into it. She needs me to co-sign because she is also a felon... In oregon you cannot rent if you are one.
Where can I find a denist in tennessee that will finance bad credit or do pro bono work? Need help bad!? I am praying and looking for a denist that can finance some dental work or do it for pro bono! I have terrible credit, but I'll do everything I can to fix my teeth! They hurt so bad and are only getting worse! I have all but 2 or 3 of my teeth, but everyone of them are rotten and just crumble to nothing, and the longer I go the worse they get, the more money and pain I'll have to have, so please I am begging please help me or please send me to somewhere that there might be some hope of helping me, Please, please! I live on disability and have two children, not a lot of money, but please I need help, this is making my health worse everyday, and I am not even making this more than it is, if you will tell me how; I will send a picture of these crumbling, black, rotten, pus filled, nasty, very painful teeth of mine! Please help me, if it's not to but send me to someone else just please help keep my hopes up, becaam about to give up! Thanks Amanda
Help! How can I start a business when I have no money, real bad credit and no rich friends or family? I have a great idea for a new members only service business that is partial web based and partial brick and mortar in the automotive industry. I found a need that hasn’t been met and this business is designed to meet that need. I know this is a service that most people can really use with nearly no competition. The entire concept is quite unique and very legitimate and the income potential is incredible. So far I have a rough business plan that I put together as well as the name of the business and a great looking logo. There's just one huge problem. Where do I get the start up money of at least $35K - $50K to start my new business? Here are the facts. I have no money. I’m on Social Security disability and I can barely make it from month to month. I have terrible credit and no wealthy friends or family members. So traditional funding sources such as banks, credit cards, and asking friends or family members for money are all out of the question. I need the 35K - $50K for two web pages one of which is fairly elaborate and is an important integral part of my business. I also need money for office space, advertising and a variety of other business-related items needed for a new start-up. I have some prior experience doing this business but this time I’ll be ratcheting it up a bit and will be eventually helping hundreds of thousands of people along the way. One great part of my business is that people who are signed up can actually make some real cold hard cash. My business will be a real win-win situation for everybody involved. Any help to find the necessary funding would be very much appreciated! Thanks!!
Help getting a small business loan for bad credit? My dream is to open a photo studio in my home town. My credit is bad, made even worse last year when I tried to buy a house (bad lender). I just got a bank acct, but still not able to get a loan. Is there anyone out there who can help or maybe knows someone who can help???
Please help me get a bad credit home loan? I have a credit score under a 400 from somebody else using my idenity. I make about 65,000 dollars a year but yet I cannot buy a home for my wife and children. Does anybody know who I can go through that isnt a scam it woould be greatly appreciated.
I am looking for a credit card for people with really bad credit.? I have really bad credit but am in the process of turning it around and improving it. I am looking for a guaranteed approval credit card. One that doesn't have to have a deposit or where whatever money I put on the card is what my credit limit is. Are there any places out there with guaranteed approval? Thanks a million to anyone who can provide this info to me.
Bad credit during a job application, will an explanation help? A friend of mine recently started working, and one of the vendors wanted to do a credit check. He unfortunately has several negative credit items, and they replied back asking for an explanation. If he explained that he would be rectifying those items soon, and how they came into his history on account of identity theft, would they allow him to continue working?
Any ideas on a reliable site for bad credit motorcycle financing? I have been divorced twice. Due to that and foolish decisions from my youth, I am left with a beacon (more like a flashlight) score of 570. Yamaha credit declined me. I purchased a car in March through Capital One, I have two credit cards with them (all are paid on time, ahead of schedule and way more than the minimum when I have a balance) but they do not finance bikes. Any reliable sites out there to finance someone like me? Thanks in advance for the advice.
looking for a loan with very bad credit? I live in the uk, i have recently split from my ex and had to move back home, i was left with quite alot of debt after the split, which i have now cleared. but this has also left me with a very bad credit rating. i now have no debt at all, but i'm looking to get back on my feet. is there a lender out there which would lend me 5k no matter what?
How can I get a student loan or help pay for school while unemployed and bad credit? Bad situation. Single mother, bad credit, unemployed for the past 4 months. I must change my career, and can in 4 months if I can take an educational course and obtian a different degree. I've never looked into student loans and I'm making the assumption because I have bad credit and uemployed that I wll be turned down everywhere. I would greatly appreciate all information pertaining to loans or grants for people in my situation. Workforce NY cannot help me. I live in NYC.
Bad Credit Help - Ontario, Canada? I have a number of unpaid debts and write offs and I want to start attempting to pay them off, and settle some of the debts, so that I can begin the process of cleaning my credit history, getting a new credit card and building my credit history once again. The thing is though, I have a total of like 8000 dollars unpaid on my credit report, and some of those are active collection accounts, others are write offs and bad debts. All transactions are from 2002 onwards. So - my question is does anyone in Ontario know whats the best place to go for credit councelling...I probably need a go-between, someone who can deal with the collectors and try and help with the settlements and payment terms etc....if anyone can give me any suggestions on the way this whole process works and where I should go...then that would definately be a huge help...
Help fixing bad credit...? I have bad credit...I had two accounts each were under 100 and they went to collections...I was stupid when i got my first credit card a few years ago...Now my credit score is a 550...How can i fix it? My collections accounts are closed out and now im just looking to repair. I am married and my husband has great credit...Can he help me inprove it by adding my name to a loan or anything? I heard gas cards approve people with bad credit...? Please tell me ways to improve it and not be scammed! Thank you :)
Bad Credit Trying to sort life out need your help? Im feeling very low lost my Grandad recently very near a nervous breakdown Im always there for everyone but no one here for me so thought i would ask you guys When I lost my Grandad Iwas already low and the bills were catching up Ive a partner whos not really bothered even when I said bayliffs would be round soon all the bills in my name need a loan for aprox £8,000 weve got partners wages child tax credit, family tax credit csa and child benefit but the benefits dont count once ive got a loan iwill get sorted but cant get a loan and Ive fallen for the pay £49.50 and we will do the loan and they come back with a loan for 1000 just need help out of this dark hole and fast so a loan that will except bad credit from a tenant for £8,000 thanks sorry for babblying
Bad credit need help!? Well im so upset i didnt realize how important credit was and never paid my students loans now i have them in the negative standings 160 days late. But i have been making payments on them since may. I have a good job now and make about 8,000 a month but back then i wasnt. I have no credit cards i usually use my atm and cash to make purchases that are 1,000+. How can i build my credit???? It's 516 is that bad please help me and tell me what i can do.
bad credit with unpaid internet bill in Australia.. help?? I'm 19 years old I just started uni and I am paying bills for the first time ever in my life.. I've been doing pretty well but I recently called my internet company and they said that I haven't paid my account since JUNE due to a mix up (the internet bill was sent to an online billing thing and i thought I was paying it along with my land line) now I think I have bad credit and i've screwed up. THe bill is for 300 dollars and I can pay it but does that mean I get rid of my bad credit?? how do I sort this out?? please someone help
Bad Credit!!! Please Help.? My Boyfriend has bad credit and is looking for a company that will give him a Credit Card. We are also looking to get a Loan to buy a car as well. We are in australia. Thanks for your help.
bad credit help? hi i am 33 years old and over last years i have had bad credit cause of losing my job having a loan with no security ,unable tp pay loads of debts having thins for my partner wich he never payed i couldnt afford to pay etc,i would say am in debt for about 17.000 im currently unemployed but am looking for work is thier a way forward,what can i do with all these debts can i declair bankrupcy or get some written off ,how do i improve my credit for the future i want to be rid of this debt help ,i dont want to get into anymore debt so debt consolidation is not a option. not a good answer cutting my legs off ,i am admiting im in the wrong is this not the first step to helping yourself some people gods sake,dont tell me you never fallen inlove with someone thats a idiot am paying big time so please dont intimidate my intelligence a am in the wrong
Bad credit help.? My husband and I do not have great credit,my landlord wants to sell his condo to us.Is there any chance I can find a bank to help us.We're financing a car now,I don't know if thats good or bad.But we tried to buy a house but our credit is crap! Do we have any chance in hell?I need advice please.
Need Bad Credit Loan. Please help.? I need a bad credit loan quickly. I need to borrow about 10,000 to pay off debt and purchase a vehicle. Applied with GA Financial but found out that they were a fraud before I sent my security deposit. My credit score is below 520. Does anyone know of any loan companies who can help me? Thanks so much for your help. Only helpful answers please.
Bad credit and no cosigner. Can someone help me out here? I am a full time college student at a local community college. I have parents who refuse to pay for my education beyond community college. I am the only child of two going through college too! Well the thing is last year when I was 18 I screwed up my credit really bad. Now that I'm older and have responsibilities - I highly regret not taking better precaution with my spending habits. My parents won't co-sign a loan b/c they are ignorant thinking I won't pay them back. I am a really motivated girl with dreams of becoming a Psychologist. To make this come true I need at least another 5 years of school. Can someone help me sleep at night knowing I can pursue my dream?!
I need a bad credit loan bad for about $2000, where can i apply?? Is wesayes and youreapproved.org legit? help I really need a loan so i can get out the payday cycle. But because of delinquencies, places like citifinancial and credit unions won't approve me. I dont know what else to do, the payday loans are eating me up, I gotta find a way out. Are the sites that say they can provide bad credit lenders that will approve you, but you have to pay a referral fee really legit? Sites like www.yourapproved.org or www.wesayyes.com, or www.fastguaranteedloans.com Someone please help any advice or suggestions is appreciated.
PLEASE HELP... Bad Credit & we need a new home!? Me, my husband, and my 3 yr. old daughter need a new mobile home, and have bad credit. In Feb. I got a new vehicle fin. in my name only so that will re-establish my credit. We have a trade in value around $6000.00 but no down payment. The land we have is NOT in our name, there is no way we can put it in either names'. Please help. Is it possible to get a new home with our situation??????
Help needed I have Bad Credit and heaps of debt are there people out there who can help me? I need help to pay all my depts and I've got bad credit. I've tried to get loans to pay them but no one is willing to help. I don't have any assets which makes it worse. I do have a car on HP and am working but the repo man came to my job today to take it but i managed to arrange a payment plan but that leaves me and my kids with nothing till next month :-( Can anyone refer me to someone who will help my consolidate all my bills with my credit rating? I have a good job but get paid monthly which makes this harder.
i need help on choosing a loan.. with bad credit? i have bad credit, im married he's got worse credit, we have a kid(thats where the bad credit came from)We have good jobs, good renting history with paying, finally back on track for auto loans (been awhile), and catching up on back bills but our rent is higher then a morgage, and we need a house. any places to turn ....please help. we need a house and are willing to pay high intrest. and when i say worse, his is in the 490, 500, and mine upper mid 540 560 please help
Technical School Tuition help. (parents have bad credit)? I'm plan on attending a technical college, locally here in Louisville. But, I have a dilemma. My parnets have bad credit, so they can't co-sign a loan for me I mean they would, but would be inevitably declined. I can't help that my parents have bad credit. The good part is that I work for UPS, and they cover up to nine grand of my tuition, which brings the total to thirty-one Grand. I have always wanted to attend this school. I'm seeking a career in Network Security. I'm 19 years old, so, I can't take a loan out by myself. If there isn't any other way, I will ask my grandma or aunt, to co-sign for me. It isn't fair that my parents are holding my education back, just because they had hard times. What can i do?
Need help getting money cause of bad credit.? I'm here looking for some serious help. I just looked at my credit score, and it was a 521. Now i KNOW why, and i'm trying to get things paid off. Slowly but they are getting paid. I'm currently 7 months pregnant, and my job is hitting me pretty hard. I work in a casino, and i pretty much run the little seperate one they have, and i don't get any breaks, and we are swamped with bus loads of people every night. I guess what i'm trying to say is that my credit is so bad, and that my bank won't loan me any money so i can take a few days off from this place before it puts me into labour. Now my work offers nothing paid for leave after the baby is born so i have to keep my 2 weeks paid for when the baby is born. I just need to know is there anyway to get money with out going to those payday loan places cause i refuse to do that. I want something legit, and that may help my credit since it's pretty crappy.
Loans for people with bad credit HELP? i need to get a personal loan, i need a new used car, and money to help pay off bills. I really am looking for about $25,000 which is alot i know but somewhere between $10000 and up would be good. DO you know any where that loans money to people with bad credit? I have no money down Akron Ohio is where i live I have been with my job for about 2 years, lived in same house for about 1 year
Financial Aid, Grants, Sick Parents, Bad credit, I need help.? My father has parkinsons so he hasn't worked for years, my mother worked as a baker for about 2 years, but due to my fathers condition had to give up her 38k gross income job. Note- we don't get welfare, or disability, or anything. In the spring of 2007, I was enrolled in purchase college, in NY, but due to family diffucuties, I wasn't able to pay them their tuition, so I can't go back this semester. I also just got my green card in Feb. Ok, so I'm broke, I work as a server now, and my brother works in retail. We support our family. I have bad credit as a result of all this. BUT I want to goto school, I have my associates and I want to finish my BA (either in education, or Law). Does anyone have any suggestions as to getting fed or state aid in NY for school? Is it possibel to prove myself as a independent considering me and my brother run the house? And since my mothers last years taxes showed 38k, how can I prove that she no longer has an income to help contribute towards school?
College Tution/Personal Loan with bad credit HELP!? I still have a portion of my college tuition that is not covered and I cannot afford to pay it right out of pocket right now. I realy need a loan either college or personal loan. I have bad credit and no co-signer. Somebody please tell me where to find help. I have tried Prosper.com but they will not accept me. HELP!
I need a loan for $8,000 with bad credit, can anyone help? I was wondering if anyone knows where I can get an $8,000 personal loan with bad credit? I really need this money!!! I am going through hard times with a death in the family and I need this money, but I don't know where I can get a personal loan for that much with bad credit. Please help!
First Time Home Buyer in NY w/ bad credit but large down payment needs help!!!? my fiance and I are first time homebuyers with horrible credit (me=555, he=559). We like a house and the asking price is $89,000. We have $20,000 for a down payment. We have a combined income of $60,000. Will a lender look over bad credit with a large down payment? This house is located in Niagara Falls, NY. Would a co-signer help us in securing a lower interest rate? Do you thik we would qualify for any first time homebuyer programs?
College Tution Loan/Personal Loan with bad credit! HELP!? I still have a portion of my college tuition that is not covered and I cannot afford to pay it right out of pocket right now. I realy need a loan either college or personal loan. I have bad credit and no co-signer. Somebody please tell me where to find help. I have tried Prosper.com but they will not accept me. HELP!
College Tuition Loan/Personal Loan with bad credit! HELP!? I still have a portion of my college tuition that is not covered and I cannot afford to pay it right out of pocket right now. I realy need a loan either college or personal loan. I have bad credit and no co-signer. Somebody please tell me where to find help. I have tried Prosper.com but they will not accept me. HELP!
will my social service department help me find a home with bad credit? My boyfriend of 2 years is telling me that i need to find a place of my own. We have a daughter together which we take care of together, so I am not looking into forcing him to pay child support. I have been looking around for low income apartments, and they all do credit checks. I have bad credit from my first apartment I moved into after moving out my parents house at the age of 18. My roommate moved out on me, after I lost my job and couldnt pay the bills, so I had to end up cutting the lease and I owe them 2,600 dollars on my half, which I have not been able to pay at this time. If I go to my social service will they be able to find me an apartment with bad credit or will it be a waste of time? I work as a server and make about 800 a month. I dont want to go there and wait a couple of hours and them tell me that they cant help me. Thanks for any advice.
How do I obtain a loan for college with bad credit as a dependent with no parental support? I am currently a college student here in Chicago. My father has paid half of my tuition, and has left the other half for me to pay for. When i was about 17, my sister used my identity to get a cellular phone and a credit card without me knowing, and didn't pay the very high bills which I recently found out about. Now I need a loan but the debt she has caused me is disabling me to get a loan for school. How do I obtain a loan for college with bad credit as a dependent with no parental support?
College Tuition Loan/Personal Loan with bad credit! HELP!? I still have a portion of my college tuition that is not covered and I cannot afford to pay it right out of pocket right now. I realy need a loan either college or personal loan. I have bad credit and no co-signer. Somebody please tell me where to find help. I have tried Prosper.com but they will not accept me. HELP!
I need a personal loan but have bad credit...help? I need a personal loan ASAP!!! But i have bad credit. I rent but i have a car that i can use for collateral. Does anybody know of any place In Michigan that can help? I need about $1500-$2000 and probably just for a month or 2 Ok. So Kourtnie Do you know of any lenders that I should go thru? Please I am in a HUGE bind and I really really need this $$. If i dont get atleast $300 to my daughter's school for her tuition than she dont go!
About to leave for Navy boot camp, but have bad credit. How will this affect me? I got involved with a girl a couple of years ago and disregarded all of my credit card bills. Now I'm playing catch up. I've been slowly paying off my bad credit through credit agencies now for the past two years. I've already signed my contract for the Navy and will be leaving for boot camp in July. I've researched and read that bad credit will affect my career in the military. I passed the security background check and received a pretty good job offer, Avionics Technician. What I'm worried about is will this bite me in the butt later on after boot camp or worse during boot camp? My Uncle who was in the service for approximately 24 years made the comment that "you don't want the military to find out you have bad credit." So now I'm worried. I notified the classifier, the guy who assigns jobs, about the bad debt and I was still offered the above job. I'm just freaking out. Thanks for your help.
Is there a 5k to 10k bad credit loan with no mortgage or paid off vehicle out there? need help bad. have job? I have good job but thats it. I need money for taxes and to get me caught up on my bills. I need a good answer and fast because im trying to better my credit not destroy it. desprately needing help! my income last year was 48k. This year i am expecting to be around 52k to 60k. is there any loan out there 2 help me? or even consider me? my credit score is decreasing with every loan application, and all have been denied. It was around 600 and now its going below 520. What do i do? Ive tried every bad credit loan offers offered by the internet. I need one of those hard to find lenders that will take a chance on me. Any other ideas would certainly help.
Can i get an Auto loan for about 25K$ with bad credit.? I just checked my credt score and they were 605, 595, 585. Well i was planning within a few months to purchase a new vechile for about 25K with about 2 to 3K$ for a downpayment. My credit report has alot of accounts that went into collection and late payments but were all paid off early 2007. So far i have an auto loan and a mortgage and student loan that i have good standings. Overall i have 1/2 accounts that are bad and 1/2 accounts that are good and some inquiries. I now make 50K$/year which was alot more than last year. All these bad accounts were caused during my college years. Any input is appreciated.
Student Loans for Bad Credit? Unfortunately, due to me being careless, I messed up my credit. I need help paying for school because my fin aid will not cover the full amount. I have credit cards, but my school does not accept credit cards as a form of payment for tuition. I also do not have a co-signer because I am on my own. I am considering calling my bank on campus to see if they can give me a loan for $1000, to cover the rest of tuition. Does anyone know if this is something banks usually do? Also, does anyone know of any other banks or companies( ex. Citi, Wachovia) who offer bad credit personal loans? PLEASE HELP!!!
Advice for getting a new car with bad credit? What are some steps i need to take to purchase a used car i need a new car but my credit is shot any advice would be great! (besides the obvious of saving up for a big down payment) is financing a bad idea? Ok Im not talking brand new right off the lot im talking about a USED car with the limit of $9,000 or so dollars....... when i say $9000 dollars i mean im not looking at a used car that cost more than that
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