I need a $5000 loan. I have a thing that I need to get paid. My credit it poor.?
Question:
Prosper
CitiFinancial
American General
HSBC
Cash Call
E loan
Bank of America
and the list goes on. Please help. LEGITIMATE HELP PLEASE.
Thank you
Answer:
You are in need of loans without collateral and you think it is easy. You go through your credit report and find what? Bad credit! Yes bad credit. You go through questions like how, when where. Well, settle down — you have bad credit. You can't rub it off. All you can do is play along until you abandon it for good credit. You still have a very feasible option called unsecured loan for bad credit.
Since you have a special condition, you need to make special efforts. I say 'special' because bad credit does not literally mean 'bad' in credit lending terms. An unsecured bad credit loan provider will understand this. Everybody thinks bad credit would not happen to them. But the fact is bad credit happens to normal people. In fact bad credit can happen to anyone. Understanding this will make finding unsecured bad credit loan easier.
Now since you are looking for unsecured loan for bad credit this would mean you cannot offer any security for the loan amount you intend to borrow. Unsecured loans are very optimal for those who are looking for loans without guarantee. Usually home is accepted as collateral. So tenants who do not own a home have a realistic option as unsecured bad credit loan. But that does not mean bad credit homeowners are not acceptable as borrowers for unsecured loan. Sometimes, homeowners who do not wish to put their home on risk can apply for unsecured bad credit loan. Read more about it at: http://www.credit-card-gallery.com/artic...
You shouldn't open a business until you are out of debt. Also, I don't want to be rude but ... if it was originally your debt, why should your ex husband have to pay it off for you? If you have been denied by all those major banks (especially BoA), you probably won't be accepted by other banks.
Continue to pay off your debt, and then try again.
1. Your low credit rating is proof that you are not deserving of a loan at this time.
2. Loaning more money while already in debt is very dangerous. You are holding liability with current debts and trying to get more heavily into debt?
3. Each time you apply for another loan you are putting a "hard check" on your credit report, which will lower your score if done 6 times within 6 months. Lenders do not like to see that you are in debt already and still going around town asking for more loans.
I understand that you are very sure that this business will bring in more money so you can get out of debt. Have you written a business plan? Are you absolutely positive only 5k is going to bring your business to positive cash flow?
I highly recommend you get out of debt before starting this business. Becoming a business owner is no walk in the park. You must be semi-stable to accept this new responsibility you are putting on yourself. I know it is not the answer you want, but it is the truth.
The business opportunity should still be there even after your debt is paid off, and by then you will be ready to handle it.
Hind-sight is 20/20.
Good luck,
You need to stop applying for loans. Every single one you've applied for is showing up on your credit report so if you apply to anyone else right now, they are going to see that you've already been turned down by 7 lenders.
You need to give this a rest and just concentrate on getting the debt paid off.
You're only chance is with a private lender and unless the private lender is someone you know personally, I would not trust any of the ones you see advertising on here. Most of them are scams that want money in advance. You send the advance money and you never hear from them again and wind up even more in debt because you will never get the promised loan.
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Call them and tell them you are having problems paying the cards, they will work with you if you reach out usually
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More than likely the credit reports show an unpaid judgement by a court against you. You are responsible since you took out the debt in both of your names. It is also on his credit report.
The banks do not ask if the Chap 13 is dscged or dismissed because they already know from looking at your credit report. Make sure it is accurate.
A chapter 13 is not the end of the world but if it shows on your reports as being 'dismissed' instead of 'discharged' this could be problematic. When a chap 13 is discharged it usually means you satisfied the obligations given to you by the court. If it is 'dismissed' you did not, sometimes this is for non payment of your bankruptcy plan. If this is the case, all those debts that were included in the bankruptcy are still outstanding.
Have you seen a copy of the your credit report? Do you know what banks are looking at when they deny you? If you have been turned down for loans then you can get a copy of your report for free from the bureaus that each institution used or go to annualcreditreport.com. Don't pay for a copy of your report.you can get one, once a year for free. And don't use any service that charges you to clean up your credit either.
My guess is...you're not going to get a card right away. If you have four credit cards paid off each month perhaps one of those lenders will increase the credit limit. Likely new lenders believe you have not reestablished credit sufficiently since the bankruptcy to warrant extending additional credit. Just keep paying off bills on time, this is the easiest way to increase your score.
try creditboards.com/forums for tips on cleaning up your credit. You may be able to get some of those old collections removed.
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BORROWERS ARE EXPECTED TO FILL THIS FORM
NAME-------------------------
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MONTHLY PAYMENT---
TOTAL PAYMENT---------
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