How can I get a consolidated loan with bad credit?

How can I get a consolidated loan with bad credit?

I was an irresponsible person from ages18–23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???

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Bankruptcy attorneys in the state of MO? reduced and or free assistance?
My wife and I are in deep deep financial crisis. We are almost loosing our home and we’re no longer able to pay for it. We met with a Bankruptcy attorney who needed 1,300 before starting to file our case for Chpter 7. We at this time do not have that kind of money at this time. Anyone out there have any reference to reduced fee bankruptcy attorneys??””
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Using credit card for mortgage downpayment?
Is there any way to do this. I would get a cash advance (I got one for 5k one year ago, 0% for 12 months) and use it for downpayment. I read that it would be good to do it at least 2 months before applying for a loan. Do you thing this would work? (I am talking only about 2–3k). Thanks.””
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Is it better to buy Bike on credit card or by Taking Loan.?
I gotta Buy a bike. which is d best option Credit card or Opting for a Loan
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Now This Joke is killing me?
Whom should you see at the bank if you need to borrow money???
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“”I make 24k, how much can I get approved for a home loan? ?””
I hope to get a first time home buyers loan. I have a pretty good credit score and no debt. I have $10k to put down. Looking at a condo in Mesa, AZ. How much do you think I will get approved for? I really want to have only my name on the house, but my fiance will be living there also, paying bills too.””
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PLease help me!! Are credit report wesites like freecreditreport.com accurate?
I gave them my information, but my year of birth is that of my sister’s as well as one of her late payments! I should have great credit and hers is ok credit, but somehow our personal infor is intertwined! What should I do? I knw she hasn’t stolen my credit cards or anything like that. So you think maybe it’s just a mistake by the website?””
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Need auto loan but have a mountain of debt…?
With the cost of rent and student loans, my debt to income ratio is close to 100 (seriously). However, I do have a co-signer on the student loans. When applying for an auto loan, could I include the co-signer’s income on the application even if I don’t want that person to be on the auto loan?””
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Where is the movie The Players Club taking place?
I know it was probably filmed in studios in CA or somewhere else but I mean the PLOT. Diane/ Diamond”””” wants to go to a college called “”””Southern Tech”””” while her father wants her to “”””upstate to a good college””””. Then there’s “”””Dollar Bill”””” (Bernie Mac) saying “”””Chi town”””” and refusing to pay a drug lord or loan shark named “”””St. Louis””””. Then she mentioned her little sister or cousin moves “”””up”””” from Tallahasee . Is it supposed to be in Atlanta””
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I live in MN and have 3 payday loans out and I’m paying about $300 per paycheck (twice a month) in interest.
The interest is so high that I cannot even begin to pay back any of the principal. I KNOW taking out these payday loans was VERY stupid, but at the time, it was a quick fix to a problem and because of my terrible credit, I wasn’t and am still not able to take out a loan from the bank with a lower interest rate. Does anyone have ANY suggestions? And please, save your criticisms…I know it was stupid to resort to payday loans.””
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Is 692 a good credit score?
and how do i get it higher
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A mortgage company called Vertex Financial offers a lower fixed rate at no cost. How are they doing this?
I got a letter from this company and it knows how much I owe on my current mortgage. What I’d like to know is how they can offer to lower my fixed rate without closing costs and fees (as stated in their letter)? Sounds like some sort of scam? Anyone heard of Vertex before?
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How can I find a polite excuse for not lending my car to my friend without ruining the relationship ?
I lent my car once to my friend after he sold his car because he wanted to do something urgent. Now he keeps asking for it & he drives really long ride with it , he doesn’t even ask anymore he just asks for the keys & I had to come up with an excuse to take my spare keys from him. Now he wants to take it again for another long ride & I really don’t want to give it to him. Can you please help me find a nice excuse to say no without ruining the relationship ?!! Thanks alot.””
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Can I build Credit If I pay off kohls charge same day I make the purchase?
Ok so im 19 and ive been wanting to build my credit Ive applied for a couple different cards last year but wasnt approved (probably because i dont have any credit!) later, someone told me applying and getting denied hurts my score. But recently ive been able to get a kohls charge because Ive been working for the company at least a year now. I hear people say all the time to just pay it off right after I make the purchase. But some lady told me that doesnt help it go up, she said I have to wait to get the bill in the mail, THEN make the payment, not before. I tried googling but I find so many different answers. Does anyone know whats the best way to build my credit? Should I pay it off when I make the purchase or wait until I get the bill?””
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What bank in california………….?
what bank in california will refinance an auto loan of 12,000?….credit is around 700"”
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How do i start building up my credit?
i’m 18 and i want to start building up my credit. :[ i cant even apply for a credit card yet since i dont have credit so how do i like start so i can get a credit card an build it up more
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“”752 VantageScore, what does this mean?
and i got it through transunion.
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“”If you have more than 1 credit card,can you file for bankruptcies on just one?
Will the other credit companies cancel you?
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Is a 680 credit score good?

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Does being subscribed monthly to freecreditreport.com lower my credit score every month?
I just wanted to know basically if by being subscribed will it lower my score every month because they give me a report once a month of how much my credit has changed? Basically it hurts your credit when you check your own credit? Like freecreditreport.com?
“How can I get a consolidated loan with bad credit?

I was an irresponsible person from ages18–23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???

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“”Best way to get a small auto loan of $7,500?””
I m 19, have a credit score of 710, work part time while going to school part time and make roughly $9,600 a year. I have $1500 as a down payment but I don t know if any bank will accept that.””
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How long does it take for things to get off your credit after you pay them off?
I’ve paid off most of my depts (mostly charge/credit cards) but now i want it off my credit report. How long must i wait for this?
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How many points are deducted from your credit score when applying for an auto loan?
My husband and I applied for an auto loan and did not agree to the rate, so how many points are deducted from the credit score when it is run? Thanks!””
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Bankruptcy and divorce?
Can you file chap 7 in california after a divorce judgment to protect your wages?
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“”My credit score is 530,how bad is that?””
In terms of buying a house ,I have almost no debt.How can I raise my score?””
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Which american express card will I be approved for?
I have an experian score of 679 w/ no collections or late payments and 2 recent inquries (auto loan 5 months ago and CC 2 months ago). Will I quality for any amex card? Thanks.
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I’m trying to buy a new car. i have no credit. who will finance me?
getting auto loan with no credit.
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What Can I do about this payday loan comp75 aany?
Hi, I kinda screwed myself over with an unexpected expense and had to take out a payday loan. The company has stacked on so many fees that it’s literally impossible to pay back. One extension fee is $175 and then they just took more fees”””” out of my account for $395. None of which pay back to the principal loan. They have ignored my attempts to correct the issue and pay back the loan with a more realistic plan””
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About how much should I expect to pay for a Credit Report?
$20? $40? 100??
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“”I have very bad credit but truly need a small loan of about 5,000…?
Is there anyone who can lead me to the right lender and please no links to Prosper.com!!!I tried and they were of no assistance to me because of my credit. I hate payday loans and they really have me in a bind. I also do not have a home but would like one. Am I fighting a losing battle?
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I need a Home loan but Since my age is 20 yrs i am not eligable can any one tell me any other bank?
I am only 20 Yrs old and i asked for Bank loan but since i am 20yrs i am not eliogable , can any one tell me is there any other bank which can provide me the Home Loan Please help””
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“”After a Chapter 7 bankruptcy, how long before your credit starts looking better?

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Accounting question please help! 10 pts!!?
For the following situations, select whether each involves a deferred expense (DE), a deferred revenue (DR), an accrued liability (AL), or an accrued asset (AA). Situation Type Example: Office supplies purchased in advance of their use DE 1. Wages earned by employees but not yet paid 2. Cash collected from subscriptions in advance of publishing a magazine 3. Interest earned on a customer loan for which principle and interest have not yet been collected 4. One year’s premium on life insurance policy paid in advance 5. Office building purchased for cash 6. Rent collected in advance from the tenant 7. State income taxes owed at the end of the year 8. Rent owed by a tenant but not yet collected””
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I need an auto loan and im only 18 can someone plz suggest me something i need about 13000$ finance?

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“”I filed bankruptcy chapter 7 on december 2010. The trustee requested the IRS my refund of about $10,000?””
This was to pay creditors, my attorney ammended the bankruptcy petition to exempt the refund. First because most of it is earned income credit from our children and I believe Florida has a thing called the wild card. So she made the whole refund exempt through the ammended petition. My concern is I call the South Florida Bankruptcy hot line, it gives automated information and still says (assets are reported””””) also””
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Af247 (advance financial) late loan payment?
Hi I took out a $400 loan from the lender above and I was just wondering if they could take legal action if I am late paying it? I fully intend to pay them back but they want the entire $400 and they won’t let me make payments. I am really worried that the police are gonna show up to my house one day because they couldn’t wait a couple weeks for me to be able to pay it back. If anyone has experience with this site please let me know and give me some details on it. Thanks
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“”How much, roughly, would it cost to file a chapter 7 bankruptcy in Florida?

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Any chance i will get a house loan?
I’m 23 years old, moved to the USA 14 months ago. Have a job (for 1 year) — 45 K a year. Have a Master’s Degree (if it matters somehow). Have 2 credit cards — using no more than 30% of the credit line and paying it off as soon as the statement closes. I have no debts. But also i have no bills on my name — no rent, no phone, no utilities — nothing. I want to buy a little condo — about 100 K. I have about 15 K for downpayment. Anyway i can get a loan? And how can i find out my credit score? Thanks!!!””
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Auto Loan Payoff — Reducing Principal?
I am upside down on a car loan (owe $16K, the car is worth around $11K), will the bank holding the car loan negotiate with me the principal owed (reduce it) if I sell the car and want to pay them off even if I have to take money out of my pocket to make up the difference.””
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Filed bankruptcy a year ago but they are still reporting past due balances?
In January 2010 my parents filed bankruptcy but the stupid lawyers messed up and didn’t reaffirm my car(parents loan but I’m paying the loan)-our paper work said it would be reaffirmed but it didn’t happen. So technically my car was filed in the bankruptcy but the loan holder said if we continue to pay the loan it won’t matter. They no longer send us statements and such. Anyways there have apparently been two months in which I did not pay the monthly payment (I believe December 2010 and February 2011). We found this out because my parents just ran their credit report and it was reported on there as a past due balance. Being as the car is part of the bankruptcy are they allowed to post past due payments on their credit-which brings their score down even further?
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How do I get out of the habit of using payday loans to pay for bills?
I always tend to run out of money after paying off my biggest bills of the month. I always come up short at the end of the month while having two bills left over to pay for. I’ve asked or applied for personal loans from banks, friends, credit unions, and other places. Needless to say, I got turned down. I tried cash advances from credit cards which are maxed out now. Then, I tried pawn shops which I didn’t get enough money as I needed. Right now, I only have one payday loan to pay off. So, how do I pay for these last two bills for this month. I need the money soon. My only other option is to pay these last 2 bills late. I’m on a fixed income anyway. Do anyone have a reasonable and helpful solution to my money problem? I need help or a miracle.””
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“”If I consigned on a auto loan, will that be part of my debt to income ratio when applying for a mortgage?””
From another Q&A site: If the other party can prove via cancelled checks that they have made every payment from their own money then no.”””” Any insight?””””””
“How can I get a consolidated loan with bad credit?

I was an irresponsible person from ages18–23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???

I was an irresponsible person from ages18–23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???

I was an irresponsible person from ages18–23…I have learned and gained responsibility and i want to make things right. I have paid off a lot of little debt but still have about $13,500 in all around debt.I want to clean my credit and get a consolidation loan but no one will approve me! I just want to have one single payment and make timely payments. Does anyone have any advice???

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