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angie
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Subject: dental loan
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Sat Sep 26, 2009 11:00 pm
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| I have to have some major dental work done. The problem is I have really bad credit. Is there any dentist out there in Ga that can help. I have a job now and can pay something but it would have to be in installments. I am really desperate. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: loan
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Mon Sep 28, 2009 11:10 am
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| WARNING!!! I would warn ANYONE who gives this person your information, etc. 'You' have no idea who he/she is. I actually recieved the same post, in my 'Spam' mail!! I would advise anyone to stay away!! first of all, if you have bad credit, it is almost impossible for you to get a loan at 3%. How do you know what this person is going to do WITH your info, once he/she has it? I see the OP does NOT have a number the 'public' can call them, only an address. This is really a SCAM, I think. |
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debranewell2008
Joined: 10 Oct 2009
debranewell2008's page
Posts: 594
99 Magic Points
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Mon Oct 19, 2009 12:44 pm
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| I believe I would check to see what your score is first if its not to bad you can try American General or maybe Beneficial but I would let them know score first because I personally wouldn't want my credit pulled if its going to be a waste of time. If you have time I would try to bring my score up first and then apply. But years ago I had loans with both of them and they are more likely to give you a loan than a bank. |
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peacockrancher
Joined: 07 Sep 2008
peacockrancher's page
Posts: 50
88 Magic Points
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Mon Oct 19, 2009 4:27 pm
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| great advice debra, I always like to know ahead of time what I am in for. Having your score ahead of time will save you a lot of embarrassment and humiliation if it is low. You will have time to try and raise it so that you have a better chance at success. |
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mr sam
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Subject: loan
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Wed Dec 16, 2009 8:30 am
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I am a certified loan lender that offers loan to people who are in
need of loans. We give out loans for project, business, taxes, bills,
and so many others reasons.So contact us now and get the loan that you
need with a low interest rate of 3%. I assure you that you will be
glad you transacted business with us at the tail end of this
transaction because the terms and conditions are very simple.There is
more to gain by getting a loan from this company,so if interested
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Consolidation Loan and many more.
COMPANY EMAIL: "sam.zappala@gmail.com" |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: loans
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Wed Dec 16, 2009 6:08 pm
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| Hello, MRSAM. I don't thnk your post is very appropriate. People are on this forum to deal with the debt they already have...not get into MORE debt, with scammers like you. Actually..your 'ad' came up on my 'Spam' e-mail, at one time. STOP preying on people. |
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SOMEONE IN NEED
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Subject: NEED PERSONAL LOAN
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Sat Dec 19, 2009 4:44 pm
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| Tryed both loan co on here cann't get ether? |
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MilitaryFamily
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Subject: Need a loan
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Tue Jan 05, 2010 7:48 pm
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| Something happened with our accounts and now I owe $7000 to our bank and now they gave me 10 days to pay it or else my husband who is deployed and has been in the military for 20yrs is going to get into alot fo trouble and I may face jail time, please tell who I can go to get a loan? |
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butterflyemail09
Joined: 29 Dec 2009
butterflyemail09's page
Posts: 3
97 Magic Points
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Subject: how to clean up credit
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Wed Jan 06, 2010 5:26 am
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@ Leyla: Depending on how past due your accounts do pull a free credit report from annual credit report dot com. These are free once a year. I would print off one report (totals 3) every 4 months within that year, and clean it up and make sure the information is correct. Get familar with the laws of your state regarding credit/debt for the consumer. Never throw a statement away.
Most of all, see what you can work on and clean up on the past due one by one, or two by whatever. Depending on your disposable income. Never say to much over the phone, get everything in writing. Some companies will push you some will really help you. It think it is helpful going thru the forums and seeing what you may need to do. Such as you might need to cease and desist on the communication, or a Debt Validation letter may benefit you. Know the fair debt act, etc. |
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zackrat
Joined: 06 Jan 2010
zackrat's page
Posts: 7
4 Magic Points
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Wed Jan 06, 2010 5:18 pm
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| I have a loan that I am currently one month behind on, this is the first time that I have gotten behind, was never even a day late before, now the phone is ringing off the hook daily, I tried to explain the situation that I have just had a new baby and that I will get things caught up here this month. I wish I had good enough credit to get a lower rate on it. I have been paying for years and the balance has not moved at all, seems like a forever debt to me, I will take it to my grave with me. Is there light at the end of the tunnel for me, does anyone have any suggestions as to how to get them to lower my rate so I can breathe here. Any help would be great. Thanks in advance--zack |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3927
10 Magic Points
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Wed Jan 06, 2010 6:00 pm
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| It can be frustrating when a company that you have been with for years will not work something out with you. Have you asked them if you could just make a principle payment, that way you will be paying on the bill and you can catch the intrest up a little later on when things get better. This may at least stop the phone calls. |
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pumpkin
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Subject: how to build credit
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Tue Jan 12, 2010 7:40 pm
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hello,could anyone please advice on how to build credit if only 19, i have never had a credit card or had a loan, and i really dont know how to start building my credit thank you, also does paying your bills in time will reflect in my credit, for example my cell phone, my water and gas.. utilities..
thank you |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889
1356 Magic Points
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Subject: credit
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Wed Jan 13, 2010 12:44 am
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| MILITARYFAMILY........I have a question. What happened that you owe your bank $7000.00?! Was this an 'all of a sudden' thing? You said your husband is deployed. Well.....I was deployed, at one time, as well. NOTHING will happen to your husband because of 'circumstances beyond his control', he was deployed. Are you his POA (I'm assuming?). If you are, while HE is gone, the bank will look at YOU to take care of the issue, not HIM. Can you tell us what happened? |
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Josie
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Subject: personal loan
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Thu Mar 04, 2010 6:40 pm
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| I have really poor credit.its 504 I cant do anything about it just now as i just got a new job three month ago i am having trouble getting on my feet.but i need a car bad.banks wont help because of certain outstanding dept.What can I do? |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: how to increase score
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Fri Mar 05, 2010 9:28 am
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Hi Josie,
To qualify for a loan you need to have a much higher score. So, you need to repair your credit score. To better your score should continue to pay those on which you are current. Payment history plays the most important part in development of credit score. Along with this, you can try to pay off the outstanding debt that you owe. If you find it impossible to pay the debts, you can get into a settlement with your creditor and collection agency. Settlement will lower your outstanding debt amount by 40-60%.
However, to increase your credit score, you need to have a lot of patience.
Hope this helps
Regards,
Aaron
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