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mrscoolh2
Guest

Subject: loan

Thu Oct 25, 2007 4:25 pm

i am really in need of loan, i have bad credit, but long term job. the only thing i have seen so far, is to apply at prosper, but my credit is under 520, they donot accept that type of credit. i am such a loser, at 43. if you know of any place, please let me know!

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34308 Magic Points

Fri Oct 26, 2007 4:24 am

Well first of all dont call yourself a loser. You become loser if you think so otherwise you are as good as any. Bring in a fighting spirit in you. There are credit cards that provide you with low scores as well. You can look for them. Try credit unions. They might be of some help.
_________________
Regards,
Laura.

carol

Joined: 27 Jun 2006
carol's page
Posts: 272

7874 Magic Points

Fri Oct 26, 2007 6:10 am

43 is a cool age... Smile

you are still young enough to get out of the burden. Try credit unions for loan purpose. A few things to go before you keep living on loans

* Check your earning. The amount of money that you earn.
* Make a list of all the necessary expenses that you have every month. This means that this amount of money has to go out of your pocket every month eg. bills, mortgage etc.
* Now check how much is left with you after all the necessary expenses. Now from this amount of money see whether you can save some. If you find out that you can save a few dollars go ahead and do that. But make sure you save the same amount or more every month. The more you save the more close you are to becoming debt free. This saved money can be used during the hours of need.
* Dont make unnecessary expenses. Eat home cooked meals rather than dining out.
* As the price of gas is rising try not to use your car for walkable distances.
* Dont go for a random buy. Make a list of required items before you shop so that a shopping plaza does not make you lose all the money behind buying redundant things.
* Try and make a back yard sale. Old items that you dont need can be sold over ebay or other sites(check online for that). For urgent requirements sell these old stuff to acquire money rather than opting for a loan.
* And the most important of all is STAY AWAY FROM PAYDAY LOANS. Never ever try that. You will be doomed.
_________________
Keep in touch
Carol

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714

75 Magic Points

Subject: loan

Fri Oct 26, 2007 8:21 am

Hi, Cool. Yea...don't call yourself a loser. EVERYONE has credit issues. I know things can get difficult, but,....look at it this way. If you think you've hit 'rock bottom', the ONLY way to go now, is 'up'. There are some loans out there, that advertise for 'low credit', or 'bad credit loans'. These types of things you don't need anyway. Such a high % on them...and then you REAALY will be in debt, trying to pay these people off!! Stick to a plan! Here's my motto......'one thing at a time'. .....it doesn't seem as overwhelming that way. Hope this helps.

mrscoolh2
Guest

Subject: thanks!

Sun Oct 28, 2007 9:59 pm

thank yall, i do feel better, but sometimes when you are at a low, you donot think it can get better! i have already messed up with payday loans, tons of them, but i can only do so much on them, i am done, but i still owe. thanks for your advise!

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714

75 Magic Points

Subject: credit

Mon Oct 29, 2007 4:02 am

I completely understand!! That's what I like, about these forums.....EVERYONE on here has gone through the same thing. I DO know about 'feeling low'. But...you can look at it this way...if you feel
low', the only way to go is 'up'. Does that make sense?

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34308 Magic Points

Mon Oct 29, 2007 4:55 am

Im sure it does make sense. We are on the same platform and we understand and share the same feelings. Thats why it is easy for one to share their state of mind in this forum.
_________________
Regards,
Laura.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2527

3657 Magic Points

Sun Nov 11, 2007 4:32 am

We have all been in a rough situation from time to time, it is nice to have a place to come in and be honest and get it off your chest.

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

97 Magic Points

Sun Nov 11, 2007 4:21 pm

Hi mrs! glad you found the forums...lots of supporters here, like good said we've all been there in one way or another and that's why we're here now to support each other and give solid/sound advice. i hope you visit again soon and let us know how you're doing. you're far from a loser! you're DOING something about your situation and you've found a good place to 'mingle'

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2527

3657 Magic Points

Sun Nov 11, 2007 5:12 pm

Debt can be so frustrating and mentally degrading at times, we all need a support system and I think this is an awesome place to come and discuss issues, get it out in the open and you feel much better knowing that you are not the only one.

I am glad to be here among friends getting some good advice and hopefully giving some too.

desiree15

Joined: 10 Nov 2007
desiree15's page
Posts: 42

1078 Magic Points

Tue Nov 13, 2007 12:58 am

Hi all...i work in a credit calling center and I talk with people each and every day who are frustrated, we really try to make them feel like they are honorable people BECAUSE THEY ARE! people make mistakes and there are organizations even help groups that help. I'm pretty new here but it didn't take me long to realize that there are good people who care about each other and really want to help, and oh yeah...they have personalities and can have fun too Smile

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 714

75 Magic Points

Subject: credit

Wed Nov 14, 2007 5:28 am

I have fun on the forums, too!!!! It makes me feel better, knowing I can get advice and help, from those in the 'same boat'. If I din't want to 'better my life, I wouldn't be here. There are 'good people' on this forum!!!! Keep up the good work, everyone!!

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34308 Magic Points

Wed Nov 14, 2007 7:26 am

Its really great to see satisfied words splashed in the forum. Its true that we share a lot but never knew that we were so happy with everyone here. Thats impressive Smile

_________________
Regards,
Laura.

SunDevilsFan

Joined: 09 Nov 2007
SunDevilsFan's page
Posts: 194
Location: Sunny Arizona

6598 Magic Points

Wed Nov 14, 2007 7:52 am

desiree.... I like the statement you posted above..... AWESOME!!!

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34308 Magic Points

Wed Nov 14, 2007 9:52 am

Thats for sure.
_________________
Regards,
Laura.

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