Posts Tagged ‘credit report’

Where can someone with bad credit get a small personal loan?

Friday, December 2nd, 2011

I am in need of 00 for a new washer/dryer & some other things around the house, but I have bad credit from a while ago due to a miscommunication from a lender. That issue has dropped off my credit report being from over 7 years ago, but my score is still pretty bad.

I don’t want a payday advance or one of those 90%+ places. I don’t want to go back into debt even more, but I would also like to use this loan as a way to improve my standing.

Thanks in advance!

I need big time financial help!!?

Thursday, November 3rd, 2011

I have to start with telling you that I am Bipolar. In the yrs of ’05 & ’06 I was in a manic state twice & bounced many checks, spent my 00 VISA limit & my 0 SEARS limit. Then I didn’t pay on these, so with collection agencies after me, late fees & I took 2 payday loans out on top of it all (00 in total), I am almost 00 in debt.

I am no longer manic. I went to my bank & another one for a 00 loan so I can pay everyone off & of course they denied me due to my credit report

I am now on disability due to the Bipolar & unemployed. I have nothing! But I have to start paying my debts before I end up being sued or being called into court.

Can anyone give me advice on how I can obtain a single loan of 00 (not a cash advance or anything like that, they suck all your money and blood)? I worked out a monthly budget & a friend will help me stay with it. But where do I go to start this?

HELP PLEASE! Thank you!

How can this be legal? (about Identity theft)?

Wednesday, November 2nd, 2011

Ok so someone stole my identity almost 2 years ago. I put a fraud alert on my credit which requires that I get a phone call to authorize any credit inquiries and have not had any issues since resolving all of the issues last year. Now, I get a phone call 2 days ago telling me that I owe 00 for a Payday loan taken out in my name. They were really rude to me and obviously think I am a scammer when really I have once again been scammed. Anyways, here are the reasons I am confused as to how this could happen:

*Payday loan taken out over a website, not in person
*They listed my address in Florida
*They used a bank account which deposit was made to was not in my name
*The bank account they used is in Michigan
*The bank account contact info and home address as well as my name do not match
*They did not check my credit for a payday loan
*They are threatening to report it on my credit report in 5 business days if I haven’t overnight mailed a police report to them

So how can I be pushed into a corner over this?! I am furious. I’ve already filed a report with the FTC, made a police report, and I’ve done everything I’ve been told to do. But these people are demanding that I buy a copy of my police report to send to them (It costs at my local police station) and then pay to have it overnighted. If I don’t do this today they are saying they’re gonna report it to my credit in a couple days. It seems to me that being so careless on who they give money to should be illegal…is it? How can you let someone take out a payday loan and put it in someone elses bank account, and on top of it, its all online so theres no way to verify identity through picture ID. I’ve told them I am mailing the legal FTC affidavit tomorrow but they say thats not good enough.

Second issue is, these people have been torturing me for 2 years. They racked up a decent amount of damage 2 years ago, then last year I found out they "piggybacked" to use my credit by taking out a new home cable-internet-phone service in my name. It slipped though the cracks because I already had that service provider. So they didn’t have to run my credit that time either. And now they are taking out Payday loans in my name which don’t require a credit check. So how will this ever end? They could do this to me forever it seems like :( And I am trying to get a job at a bank but I would be denied based on poor credit over this. It’s really draining me of energy and I just feel like giving up :( What should I do?

P.S. The logical thing to do would be to ask the police for help, right? Well only if the police were willing to help, which they are not :(

Pay Day Loan on Credit Report?

Tuesday, November 1st, 2011

I have a listing on my credit report for a collection agency Allgate Financial for a payday loan from 2006 from Cashnet USA. I had a terrible tim with this payday loan they started debiting my account over and over and early and cost me over 00 for a 0 loan. I had to close my bank account and they would not work with me just harressed me. They then sent it to collections and it is on all of my CRA reports. Do I have anyway of disputing this? Or is this completely legal of them?

Where can I get a personal loan with a score below 520 and no co-signer?

Wednesday, September 14th, 2011

I need at least ,000. I need the loan to be unsecured. I have tried to set up an account Prosper.com and they rejected me. They sent me an email stating that my score is below 520, and thats how I know its it below 520. I have a copy of my credit report and it several inquries and only one deliquent accoutn (value = ,463), it has been deliquent 180 days. Please HELP!!! I need to out of this whole. My bad credit comes from me being unemployed over a year ago. I now have a good job where I make over 50k a year and have been there 6 months.

Any info would be appreciated.

Help finding an auto loan with low credit score?

Sunday, September 11th, 2011

i have 601 as my credit score. i am 22 and had a couple credit cards go to collections which i eventually paid off,and is on my credit report as delinquent.charge off. i finished paying the last collected credit card off this past february. i now have one secured card and one unsecured credit card to help me re-establish credit. i just got qualified for another credit card to help add more credit history and more open accounts to my credit report. they are all minimum amounts of 300. i’m looking into getting an auto loan for a vehicle. my current vehicle is currently worth 3 grand. i need about 8 grand more. to pay off my student loan and receive the vehicle of my choice. i understand my interest rate will be high with my low credit score. are there any places that are legitimate that i could actually get qualified for an auto loan through? ive heard about credit unions and dont know much about their auto loans. do you have to be married to get an auto loan through them?

I want to now how to combine and settle debt?

Sunday, September 11th, 2011

Would I be better off getting a lawyer to settle my debt and could they combine my debt into one monthly payment? or do i have to go through a debt consolidating agency? If I go to a debt consolidating agency does it all have to be credit card debit or can i have some unsecured loans also. And my spouse has debt that is about to fall of his credit report should i just wait for it to fall off or try to settle it.

I have $300K of debt in credit cards and unsecured loans … What will happen if I can no longer pay the bills?

Sunday, September 11th, 2011

I started my own business this February. After 6 months of struggling to keep the business alive… no luck! Now I’m flat broke, all of my credit cards are maxed out, and the business is closed. I managed to get a job that merely pay my daily expenses and the house’s mortgage. I’ll be lucky to have about 0 left by the month ends. Here’s my question… I know with that much debts, there’s no way on earth I’ll be able to pay back. What will be the worse case if I don’t pay back my debts? I know the collection phone calls will keep hounding me for years. I live in the state of TX so I don’t need to worry about wage garnishment will take effect. From what I understand, I can’t go to jail for having debts to the creditors. I’m thinking about filing for bankruptcy, but it will be on my credit report for as long as 10 years vs. bad credit will be around for about 7 yrs. All of your inputs are greatly appreciated!!!

579 credit score, could i get approved for an apartment?

Friday, September 9th, 2011

Im moving out with the boyfriend in about 6 months, He has good credit. Me…well thats a different story, I made some really bad choices when i was 18 and have 2 charge offs, I opened up an unsecured loan and have been making payments for the past 4 months and it shows up on my credit report as paid as agreed. Should I still try to apply for an apartment?

I need a good debt consolidation company. Any ideas?

Sunday, September 4th, 2011

I have several personal loans out. My monthly payments add up to about 800 a month, i only make a 1000. I’m not behind on payments but i cant keep up much longer. I cant seem to get any local banks to even listen to me. They also ping my credit report every single time i tried to get a loan so now i have even more negativity on my report. I can afford 300 a month or less to pay on a consolidation loan. Anyone know a loan company or debt consolidation company that will actually listen to me and not just look at my credit score?
I make 200 a week, thats good pay for my area. I dont have a single credit card. Never have.

Question for experienced banker and loan manager?

Saturday, September 3rd, 2011

Why is it so hard to get a straight answer from loan bankers when you ask them to give you an idea or advice if you could get approved for certain loan without them actually doing the whole application and hitting your credit report? I have provided them with a copy of my credit report, financial statement (assets and liabilities), my tax/income documents and all necessery info but he could not give me even a rough idea if I would get approved OR what would I need to do in order to get approved for a loan. I asked for 40K unsecured loan with fico 698, 50K outstanding student loan in good standing, 60K/yr income, 10K visa always paid in full on time, 5k in savings. If somebody can please give me a good idea if I would get approved and what do I need in order to get approved I would really appreciate it. Thank you

P.S. internet loan sharks please do not respond, go stick yourselves sumwhere!

Question for experienced banker or loan manager?

Saturday, September 3rd, 2011

Why is it so hard to get a straight answer from loan bankers when you ask them to give you an idea or advice if you could get approved for certain loan without them actually doing the whole application and hitting your credit report? I have provided them with a copy of my credit report, financial statement (assets and liabilities), my tax/income documents and all necessery info but he could not give me even a rough idea if I would get approved OR what would I need to do in order to get approved for a loan. I asked for 40K unsecured loan with fico 698, 50K outstanding student loan in good standing, 60K/yr income, one 4yr old PAID collection for 660 dollars,10K visa always paid in full on time, 5k in savings. If somebody can please give me a good idea if I would get approved and what do I need in order to get approved I would really appreciate it. Thank you

P.S. internet loan sharks please do not respond, go stick yourselves sumwhere!

5800.00 loan at 14.50 interest got in 2002 still it is 4800.00 what happened?

Friday, September 2nd, 2011

in 2002 Igot a loan from the credit union for 6500.00 at 10% car loan later on the same day I got unsecured loan for 5800.00 at 14.50 interest . car loan was 210.00 monthly on un secured loan 165.09 per month.both loans were being paid on the same day so that I could’nt be behind other wise my car could be repossesed. in september this year the car was paid off.Then I wanted to buy a house I chequed my credit report and found out that my unsecured loan was closed and charged off in 2002 in December and my house loan was denied from the bank of America because of that closed and charged off account..I contacted the credit union and I was informed that it was amistake and they will contact the credit report and will take 90 days.to correct the error .The balance on this loan is 4865.00 what happened to all the money I have been paying since 2002. .Did they put all my payments on interest for 40 months is that regal.? The judge wants all the payments paid on that account

I have a student discharge loan due to disability. What must I do to get that removed from my credit report?

Tuesday, August 30th, 2011

I have been discharged from the student loan. And I found out that I am marked at my credit report for having a debt unsecured with the government. What or must I do to remove it from my credit report? Please only helpful answers ! Thanks .

Would you please , I would like to read again, Obama, take advantage of refinancing home, without credit chec?

Friday, August 26th, 2011

I have read today, in your home page, that Obama, said take advantage of refinancing your home, for .45, if your loan is $ 90,000, please repost or email it to me, because I pay, 00/ month for a loan of ,000. and you mentioned without back ground check to your credit report.



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