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Joined: 03 May 2009
McneilSmith's page
Posts: 1

107 Magic Points

Subject: Loan
Posted on Sun May 03, 2009 10:27 pm  

Can i get a personal loan in the amount of 15k with a credit score of 740 i make good money but need this for home upgrades.

Joined: 08 Apr 2009
GarySnober's page
Posts: 66

9 Magic Points

Posted on Sun May 03, 2009 10:29 pm  

Hi smith welcome to the forums. With a score of 740 i do think you should qualify for the loan. But it depends on how much debt you have and how much income you have as to if the bank will loan you that much money. But as far as the fico score 740 will be good enough.


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Mon May 04, 2009 10:22 am  

A score of 740 is considered a good credit score for getting a line of credit at attractive rates. However, the amount of loan you can get also depends upon your income along with your score. I think that you should check it out with your creditor whether you qualify for such amount or not.
Where there's a will, there's a way !!

Joined: 16 Apr 2009
internet15's page
Posts: 50

2427 Magic Points

Posted on Fri May 08, 2009 7:43 am  

A loan is a type of debt. This article focuses exclusively on monetary loans, although, in practice, any material object might be lent. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.
The borrower initially does receive an amount of money from the lender, which he has to pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A loan is of the annuity type if the amount paid periodically (for paying off and interest together) is fixed.
A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.
Free Credit Repair|Fast Payday Loans

Subject: Personal Loan
Posted on Fri May 08, 2009 8:45 am  

There are certain eligibility criterias to qualify for a personal loan. They are as follows :

1) You should either be a salaried professional or self-employed.
2) You will also be required to show proof of your income if you are employed, and tax returns if you are self-employed.
3) You must be older than 18 years when applying for the loan. And you must not be older than 65 years of age at the completion of the loan.

As far as your credit score is concerned it is good enough. To be on the safer side, you could check for any negative listings in your credit report that needs to be updated. You could also pay off an outstanding debt, if you have any. Once you have done your homework, you do not face denial for a loan application as well as easily get a loan at the lowest interest rates.

Joined: 15 May 2009
weblynda's page
Posts: 1

22 Magic Points

Subject: Houston Home Mortgage
Posted on Fri May 15, 2009 11:05 am  

Refinancing or buying a home can be complex. Houston Home Mortgage makes it easier.

Joined: 28 Apr 2009
Firang's page
Posts: 55

-37 Magic Points

Posted on Thu May 21, 2009 5:32 am  

Instead of going for Personal loan, one should go for loans from one's employer as so many employer do offer these facilities to their employees.

Interest rate is really very low.Apart from this, it is directly deducted from your salary so it is also a good thing that person is not needed to worry about missing the deadlines.
try this option, HR people can guide you about this in detail.

keep us informed.

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Subject: Millennium Secured Credit Card
Posted on Tue May 26, 2009 5:55 pm  

There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.

The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.

It's actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card.

Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It's much easier to get them permanently deleted if you don't owe them any more money.

Joined: 13 Sep 2009
sara's page
Posts: 31

532 Magic Points

Posted on Wed Oct 07, 2009 6:25 pm  

I think you have good credit score of 740.
You will definately get loan on it.

Joined: 13 Sep 2009
sara's page
Posts: 31

532 Magic Points

Posted on Wed Oct 07, 2009 6:26 pm  

Can you explain which type of loan you are looking for? can you through some light on your requirements?

Joined: 18 Oct 2009
SIA's page
Posts: 62

2524 Magic Points

Posted on Wed Oct 21, 2009 4:13 pm  

I think your credit score of 740 is very good. You can get FHA loan as well as conventioal loan. As its not the only qualification for getting loan but other factors may be useful for getting loan.

But the credit score of 740 is good enough to get loan for home.

Joined: 18 Oct 2009
SIA's page
Posts: 62

2524 Magic Points

Posted on Wed Oct 21, 2009 4:16 pm  

I would like to add that though the creditscore of 740 is good but still there is scope for improve the credit score upto 800+.
So I think you should still improve the credit score.

Joined: 03 Oct 2009
andyth's page
Posts: 48

67 Magic Points

Posted on Sat Nov 07, 2009 12:03 pm  

As you are eligible for both loans FHA and Conventional loan.
You have enough credit score.

But as you have to decide wheather you really want loan? or do you want loan for anyother purpose.

Anyways you can qualify for loan as you have 740 credit score.

Joined: 13 Nov 2009
Margaret's page
Posts: 78

-137 Magic Points

Posted on Sun Nov 15, 2009 4:58 pm  

I think you should go for FHA.........
You may get loan at low rate of interest as your credit score is good740.

Subject: credit agencies inquiry
Posted on Thu Dec 31, 2009 1:54 am  

hi. i want to know if i am pre-qualified for loan.
i dont want lender to contact credit agencies before approval of loan

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