There has got to be help!?
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I posted a question not to long ago about a loan for bad credit, not a payday loan. I went to prosper.com-credit score is to low for there. Payday loans are to exspensive. Does anyone know of a company that is willing to give people with credit problems a chance?(That doesnt cost money for them to help you) I understand there will be a finance charge for the amount, but i dont want to pay for them to tell me who will help, because obviously if i had the money to waste, I would not be asking this question to begin with. Please anyone, if you know from experience who can help! (Its hard to believe that there is not one place online that wont help, theres got to be ONE) Im at a dead end............
There has got to be help!?hey I'm not sure what kind of loan you want, I feel bad nobody answered your question but Ive only taken a loan for a car and for that i needed a co-signer
There has got to be help!?THE BEST THING FOR YOU TO DO IS INVOLVE YOURSELF IN A CREDIT UNION OR SMALL HOME TOWN BANK WHERE PEOPLE KNOW YOU. THERE ARE ALOT OF FINANCIAL COMPANIES THAT LISTEN TO WHY YOU ARE IN THE SITUATION YOU ARE IN AND ARE WILLING TO WORK WITH YOU. YOU MAY HAVE HAD A SICKNESS OR MEDICAL EMERGENCY THAT CAUSE CHARGE OFF LOANS OR BANKRUPTCY. ANOTHER ISSUE MAY BE FROM A DIVORCE. IT IS HARD TO GET CREDIT WHEN YOU DON'T HAVE CREDIT BUT IT IS HARDER TO REBUILD YOURSELF. MOST PEOPLE BORROW MONEY BECAUSE THEY NEED IT BUT YOU MAY WANT TO CONSIDER SAVING A FEW HUNDRED DOLLARS AND PUTTING IT INTO A SAVINGS ACCOUNT AND BORROWING AGAINST IT. THE INTEREST RATE IS USUALLY VERY LOW AND ITS BASICALLY A NO QUESTIONS ASKED LOAN. IT IS VERY LOW RISK. THIS WILL HELP BUILD A PAY HISTORY WITH A FINANCIAL INSTITUTION. ITS SHOWS YOUR ABILITY TO MAKE PAYMENTS AND REBUILDS YOUR PAY HISTORY AS WELL AS YOUR CREDIT HISTORY. ONCE YOUR PROVE YOURSELF, PEOPLE START TO BE MORE WILLING TO LOAN. YOU CAN'T GO IN AND ASK FOR A 50000.00 LOAN AND EXPECT TO GET IT WITH CREDIT THAT IS LESS THAN AVERAGE.(NOT SAYING THATS WHAT YOU ARE DOING). I AM SAYING THAT TO REBUILD YOU HAVE TO START WITH BABY STEPS AND WORK YOUR WAY BACK UP. IT'S NOT A MISSION THAT IS ACCOMPLISHED OVER NIGHT BUT WITH TIME YOU WILL BE BACK ON THE ROAD TO A GOOD CREDIT HISTORY AND SLOWLY BUT SURELY A GREAT CREDIT SCORE. YOUR CREDIT SCORE IS BASED ON MANY THINGS BUT THATS NOT ALL THAT BANKS/CU/LOAN COMPANIES LOOK AT. THEY LOOK AT YOUR PAY HISTORY. YOUR PAY HISTORY CREATES A FAIR AMOUNT OF YOUR SCORE SO YOU MUST ALWAYS PAY ON TIME. EVEN WITH BELOW AVERAGE CREDIT YOU CAN MAKE A DIFFERENCE. IF YOU HAVE CHARGE OFF ACCOUNTS AND COLLECTIONS, YOU CAN CALL THOSE COMPANIES AND MAKE A SETTLEMENT ON THE ACCOUNTS. THE COMPANIES WILL THEN UPDATE YOUR CREDIT BUREAU TO SHOW THAT A SETTLEMENT HAS BEEN PAID ON THE ACCOUNT AND THAT YOU NOW OWE THEM NOTHING. THIS SHOWS THAT YOU ARE MAKING AN EFFORT TO CORRECT A WRONG AND TAKING RESPONSIBILITY FOR A PAST ERROR. BAD CREDIT DOES NOT MAKE YOU A BAD PERSON. GOOD PEOPLE HAVE HARD TIMES. YOU MUST BE WILLING TO BE PATIENT AND WORK YOUR WAY THRU IT. IT'S NOT EASY. YOU WILL HEAR A LOT OF NOS. BUT DON'T GIVE UP BECAUSE SOME WHERE ALONG THE WAY YOUR HARD WORK WILL PAY OFF AND YOU WILL BE ON TOP OF THINGS AGAIN. I HAVE FAITH IN YOU. I SEE IT HAPPEN EVERYDAY.
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