Comments for Unsecured Loans For People With Bad Credit http://unsecured-loans-for-people-with-bad-credit.com Unsecured Loans For People With Bad Credit Mon, 19 Dec 2011 00:45:12 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on How do I improve my credit score with the following secnario? by Charles Williams http://unsecured-loans-for-people-with-bad-credit.com/2044/how-do-i-improve-my-credit-score-with-the-following-secnario/comment-page-1/#comment-3111 Charles Williams Mon, 19 Dec 2011 00:45:12 +0000 #comment-3111 i was once a sufferer of negative credit. and for me, the first thing that one should do in improving one’s score is to request for your free credit report from the 3 bureaus and check for any inaccurate information. you have to understand that wrong data listed on your report could drag down your score. once you found inaccurate data, inform the bureau about it and file a dispute. i was once a sufferer of negative credit. and for me, the first thing that one should do in improving one’s score is to request for your free credit report from the 3 bureaus and check for any inaccurate information. you have to understand that wrong data listed on your report could drag down your score. once you found inaccurate data, inform the bureau about it and file a dispute.

]]> Comment on Joint Bank Accounts Are They A Good Deal? by Martha http://unsecured-loans-for-people-with-bad-credit.com/1253/joint-bank-accounts-are-they-a-good-deal/comment-page-1/#comment-3110 Martha Tue, 13 Dec 2011 03:09:41 +0000 #comment-3110 Deadly accuarte answer. You've hit the bullseye! Deadly accuarte answer. You’ve hit the bullseye!

]]> Comment on How to get a decent car with bad credit? by Jack http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3104 Jack Mon, 12 Sep 2011 15:25:04 +0000 #comment-3104 You can try http://www.used-cars-information.com/ 90% off Retail Value. Good luck! You can try
http://www.used-cars-information.com/
90% off Retail Value.
Good luck!

]]> Comment on How to get a decent car with bad credit? by 1-800badcredit http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3103 1-800badcredit Mon, 12 Sep 2011 15:25:04 +0000 #comment-3103 You don't say how old you are. If you're still "close to" high-school age then you'll probably need a co-signer. In other words, are you 22 or under? Reason for this is that you've got a very short-term credit history, and you haven't proven yourself reliable with the credit you had in the past. A co-signer guarantees that he/she will pay the loan if you don't. Also, since your credit history is relatively new, they will use theirs to set the interest rate. Look for a car that is $10,000 to $12,000 and has less than 50,000 miles on it. Why? Banks don't want to loan you too much money, and they want you in a reliable car. If you have to make the choice between fixing the cars engine or making a payment, odds are you'll choose to fix the car. They don't want you in that position! Try to get pre-approved. Pre-approval gives you a price range to shop with. If you know you have a loan for $11,000 you won't go looking at $15,000 cars and waste your time trying to get a loan that's too much money. RoadLoans is a good place for pre-approval. They ask for some basic information, proof of income and residence, etc. and give you a great interest rate. They express mail you the check and you take it to any dealership you want! Here's a quick link to RoadLoans if you want it: http://bytemgdd.com/clk.aspx?l=12265&c=3909&s= If you really want to help yourself then I'd recommend you pull your credit and see if any of the credit cards have NOT been charged-off. Then contact the lenders and try to work out payments. If they charged-them off then they don't care about them any more and even if you do pay them off they won't register it on your credit report. But the ones that aren't charged-off will report it to the credit bureaus which will increase your credit score over time. Hope this helps! You don’t say how old you are. If you’re still "close to" high-school age then you’ll probably need a co-signer. In other words, are you 22 or under? Reason for this is that you’ve got a very short-term credit history, and you haven’t proven yourself reliable with the credit you had in the past.

A co-signer guarantees that he/she will pay the loan if you don’t. Also, since your credit history is relatively new, they will use theirs to set the interest rate.

Look for a car that is $10,000 to $12,000 and has less than 50,000 miles on it. Why? Banks don’t want to loan you too much money, and they want you in a reliable car. If you have to make the choice between fixing the cars engine or making a payment, odds are you’ll choose to fix the car. They don’t want you in that position!

Try to get pre-approved. Pre-approval gives you a price range to shop with. If you know you have a loan for $11,000 you won’t go looking at $15,000 cars and waste your time trying to get a loan that’s too much money.

RoadLoans is a good place for pre-approval. They ask for some basic information, proof of income and residence, etc. and give you a great interest rate. They express mail you the check and you take it to any dealership you want!

Here’s a quick link to RoadLoans if you want it:

http://bytemgdd.com/clk.aspx?l=12265&c=3909&s=

If you really want to help yourself then I’d recommend you pull your credit and see if any of the credit cards have NOT been charged-off. Then contact the lenders and try to work out payments.

If they charged-them off then they don’t care about them any more and even if you do pay them off they won’t register it on your credit report. But the ones that aren’t charged-off will report it to the credit bureaus which will increase your credit score over time.

Hope this helps!

]]> Comment on How to get a decent car with bad credit? by mccoyblues http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3102 mccoyblues Mon, 12 Sep 2011 15:25:04 +0000 #comment-3102 The only way to get a car is to pay cash. Save some money, then buy a car. What you want is a car you can afford. There are plenty of good used car under $2500 out there. The only way to get a car is to pay cash. Save some money, then buy a car. What you want is a car you can afford. There are plenty of good used car under $2500 out there.

]]> Comment on How to get a decent car with bad credit? by oklatom http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3101 oklatom Mon, 12 Sep 2011 15:25:04 +0000 #comment-3101 I'd suggest you "get around" to paying off the credit cards. That will help your credit score, and then, with a co-signer, you might be able to get financed. I’d suggest you "get around" to paying off the credit cards. That will help your credit score, and then, with a co-signer, you might be able to get financed.

]]> Comment on How to get a decent car with bad credit? by daddyporky@verizon.net http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3100 daddyporky@verizon.net Mon, 12 Sep 2011 15:25:04 +0000 #comment-3100 i suggest pay cash... you take a chance on one of the cars that will give you a break.. just miss one payment or not on time they will repo the car in one day ok.. i suggest pay cash… you take a chance on one of the cars that will give you a break.. just miss one payment or not on time they will repo the car in one day ok..

]]> Comment on How to get a decent car with bad credit? by Helper http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3099 Helper Mon, 12 Sep 2011 15:25:04 +0000 #comment-3099 You might be able to get some loan company to lend you the money. But either way it would always be cheaper (lower %) with a co-signer with good credit. Good Luck... You might be able to get some loan company to lend you the money. But either way it would always be cheaper (lower %) with a co-signer with good credit.

Good Luck…

]]> Comment on How to get a decent car with bad credit? by Car Day http://unsecured-loans-for-people-with-bad-credit.com/2692/how-to-get-a-decent-car-with-bad-credit/comment-page-1/#comment-3098 Car Day Mon, 12 Sep 2011 15:25:04 +0000 #comment-3098 Could try government / police auctions where you can get cars cheaply. If this is your first car, this is a viable route you can try - with or without bad credit. Could try government / police auctions where you can get cars cheaply. If this is your first car, this is a viable route you can try – with or without bad credit.

]]> Comment on How do you start a business with bad credit? by imisidro http://unsecured-loans-for-people-with-bad-credit.com/2684/how-do-you-start-a-business-with-bad-credit/comment-page-1/#comment-3093 imisidro Fri, 09 Sep 2011 22:41:20 +0000 #comment-3093 You may find a tough time getting a loan from financial institutions with poor credit, even from SBA. SBA requires a number of factors to avail of their loans, and one of them is good credit history Having good credit is just one requirement for business loan. Banks and SBA want you to have collateral as well as equity investment in your own business. Banks want to make sure they can get the money they loan you -- if you cannot pay because the business failed, they will get your collateral If you don't have collateral and your credit remains poor, you may want to look for other sources of funding. If you cannot get loans, try to get a loan from your parents, family and friends. If they cannot give you any, use your credit card. Credit card requires no collaterals but are an expensive source of funds. Otherwise, either downscale your plans and amount of capital needed; or wait until your financial situation improves. I suggest you read the following books as well. Borrow them from your library or buy them from your favorite bookstore - No Cash, No Fear: Entrepreneurial Secrets to Starting Any Business with No Money by Terry Allen - Starting on a Shoestring: Building a Business Without a Bankroll by Arnold S. Goldstein - The Art of the Start: The Time-Tested, Battle-Hardened Guide for Anyone Starting Anything by Guy Kawasaki You may find a tough time getting a loan from financial institutions with poor credit, even from SBA. SBA requires a number of factors to avail of their loans, and one of them is good credit history

Having good credit is just one requirement for business loan. Banks and SBA want you to have collateral as well as equity investment in your own business. Banks want to make sure they can get the money they loan you — if you cannot pay because the business failed, they will get your collateral

If you don’t have collateral and your credit remains poor, you may want to look for other sources of funding.

If you cannot get loans, try to get a loan from your parents, family and friends. If they cannot give you any, use your credit card. Credit card requires no collaterals but are an expensive source of funds.

Otherwise, either downscale your plans and amount of capital needed; or wait until your financial situation improves.

I suggest you read the following books as well. Borrow them from your library or buy them from your favorite bookstore

- No Cash, No Fear: Entrepreneurial Secrets to Starting Any Business with No Money by Terry Allen
- Starting on a Shoestring: Building a Business Without a Bankroll by Arnold S. Goldstein
- The Art of the Start: The Time-Tested, Battle-Hardened Guide for Anyone Starting Anything by Guy Kawasaki

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