Posts Tagged ‘score’

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!

What are my chances of getting approved for personal loan?

Tuesday, September 20th, 2011

I want to obtain a ,000 loan to start my business. I don’t’ care if it’s a business loan or personal loan, though I heard personal loans are easier to secure. I will be using 50% of the loan for renting office space and the other 50% is being used for supplies and employee salary for the first 6 months of operation. I am 22 years old and have little assets.

Only few things I have going for me is 00 cash reserves, enough for 20% down payment, and a car worth 00 for collateral. FICO score is 710 and credit history is only revolving for 4 years, again I am 22 years old. Also I have a well written and researched business plan.

I know I should shop around but which banks have a higher approval rating than others? Should I ask my local federal credit union first before attempting conventional banks? Should I think about an unsecured loan rather than a secured loan? Are the things I listed earlier enough for me to secure a loan?

I have a really sh*t credit rating and need to get a loan.?

Wednesday, September 14th, 2011

I don’t have any massive debts or anything like that, just three years at uni and a not particularly well paid job after have seen to a plumit in my score. Need money to clear a large back logg of bills etc.

Any one know of a good to place to go to borrow £5k (must be unsecured), not bothered about APR or anything.

Thankyou.
Well, the Pound (£) is 3, and the dollar ($) is 4. I think thats what you mean. Thanks for trying!!

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.

WHAT DOES MY CREDIT SCORE HAVE TO BE TO GET AN UNSECURED $10,000 CREDIT CARD?

Wednesday, September 14th, 2011

MY SCORES ARE AROUND 700, I HAVE AN AUTO LOAN IN EXCELLENT STANDING AND NO OTHER CREDIT OPEN CURRENTLY. DO THEY MAKE THE DECISION BASED ON JUST MY SCORE, OR OTHER FACTORS? WHAT KIND OF LIMIT WILL A 700 SCORE GET ME?

Refused for loan due to adverse credit but how?

Wednesday, September 7th, 2011

Have been refused for two unsecured loans recently whereas i used to have no problem with things like that. The first said i had adverse credit and the other said i didnt have a high enough score. Got my experian report which shows all is well, everything paid on time etc but it does show that i went into my arranged overdraft so is that what has made my credit adverse? Should i be worried?
im not sure i understand, has my bank got the right to show on my experian report how much im overdrawn, this is an arranged overdraft which is meant to be free of charge for a year but also my account is put back into credit every month when i get paid.

I closed all accts, paid wifes 40k in debt in 5 yrs, still bad credit, cant even get a 1000 cc to build credit

Tuesday, September 6th, 2011

I know there are those that would say not to pay it, but I manned up and paid my debt. For 5 years I sat at home, did nothing but work and pay. Now I need a car, bank turned me down with a 600 score, can’t even get a 1000 cc to charge gas and food and pay off each month – even after arguing that I need it only to move forward and establish credit. I have ZERO debt except mortgage. Problem is, I have NO Credit Cards. I refuse to pay dealership high rates and will drive my 210k mileage Honda til it explodes or my score is good enough to get a low rate acceptable loan. I never charged a thing, my wife is a spender and by serious threat of divorce she finally stopped. I need good credit to move on from here. Credit Union said no. I think the solution is a secured card, but they did not even offer this option/solution. I make really good money so it would be an option. Separately I heard that you can go to a place like Office Depot and they have forms to just deny all bad credit?

Is it a good idea to get an unecured loan to pay off credit cards?

Monday, September 5th, 2011

So I’ve got some credit card debt – not a lot, but enough that I want to pay it off ASAP. Is it better to get a lower-interest unsecured loan to pay off my higher interest cards? What does doing something like this do to my credit rating? I want to buy a house sometime in the near future so I don’t want anything to lower my credit rating or have a negative impact on my debt to income ratio. Thank you.
Everyone’s telling me to close the accounts. But doesn’t having open accounts with less than 30% of available credit used boost your score? If I close the accounts that I have a negligible balance on, won’t it lower my credit rating? I haven’t maxed out any cards, I just want to pay off my debts in the most efficient way possible while keeping or even improving upon my very good credit rating. Thanks to you all for your input.

high risk guaranteed loan?

Thursday, September 1st, 2011

ok people im not stupid i know it is hard to get a high risk unsecured loan. But have any of you had to get one? Personal experience with the company is a plus. my score is below 500. any advice is welcome.. nasty comments are not. any ones online that you dont have to have a membership for there services?
please no payday loan sites- ive got enough of those- need to consolidate debt…unless it is over 5000 with long term payoff
this is not a small business loan nor do i own a home i can refinance…

Where I can get a loan or a bank to refinance an ATV?

Wednesday, August 31st, 2011

My score is 578 and I have applied with Honda but because I have a Chapter 7 , alredy Discharged for 5 yrs now they didn’t want to refinance. I have 0 to 00 downpayment. Do you know where I can apply and be approved?

Where I can go to apply for a personal loan with a Bankruptcy Chapter 7 discharged, score 606 ?

Sunday, August 28th, 2011

My score is 606, my re-established credit is perfect. I have filed Bankruptcy Chapter 7 in 2003, it has been discharged since then. I have go to American General Financial but because I’m in Chapter 7 they can give me a secured loan and I need a unsecured loan. I have tried credit unions and they said I have too much obligations in my credit and it is becuase I just bought a house and the loan is under my name only (husband is in title), and the payment is 00, plus I have a furniture acct and my car that I make payments. Need help if someone knows where I can go, probably a website. I have tried prosper.com where I have a listing but it is not only me, they are more that 200 listings. Please HELP!!!!

i have an credit 690 an want an unsecured line of credit or loan for real estate?

Saturday, August 27th, 2011

i make 55,000 a year,i have good credit my lowest score is 690 an my highest is 709, i have 4 credit cards 3 are 5,000 unused and one 10,000 with 8,000 used on it car payment and i rent, i pay all my bills on time and want to use my good credit standing to get an unsecured line of credit or loan to invest in properties what would be an estimate amount i could get to invest, i was looking around 20,000 to 30,000, will this be easy to attain with my credit history.

What is the best way to have great credit for a future home buyer?

Friday, August 26th, 2011

I have a car loan and i just consolidated my credit cards into a loan. So i have 2 instalmentloans. Now i can close my credit cards. My old credit cards that have a great history have the worst deals. They offer 00 limits and no rewards. So i want to cancel them but will effect my score? i mean the history of payments should remain even if the account is closed. I just want to keep one card but it has a k limit. is that too high?

I am searching for a unsecured personal loan from an independent lender.?

Thursday, August 25th, 2011

I have a high debt to income ratio because all of my income is not reported. Please dont say I deserve it for not paying all my taxes because my company is on a tip compliance with the IRS and they only make us pay tips on per hour even though I make closer to . I am serious about this loan and I am willing to pay a higher interest rate but will not fall for any scams with up front fees. My credit is fair to good with my score appr. 640. I also do not have any problems on my credit. I have always paid what I owed and know I will pay this also. If you know of any lenders that could help me I would appreciate it. thank you

** Personal Loans **?

Monday, August 22nd, 2011

I am 42 years old, single with 1 child, live in a rental home, I am full time employed with a large logistics company for 4 years. In September of 2006, I lost my parents in a car accident, dur to their fixed incomes, I have had additional debt and responsibilities placed upon me after their passing.

I have a small barn repair and roofing business that I work at on weekends. I am desperately seeking a loan to help get me above water and finance my side business. I am seeking a 5,000 personal loan, my credit isn’t that great, I ran credit reports on Monday the 26th, 2007, my Experian score is 657, Equifax – 649, TransUnion – 646, have no collateral, all I have is I am a hard worker and have been keeping up on my bills and other responsibilities. Is there any banks, lending companies or finance comapnies that could assist me with a loan, with repayment terms over a period where I could pay anywhere from 0.00 to 00.00 per month?

Thank You



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