Archive for category Personal Finance
How can I get a personal loan for 5000 and don’t have a credit history?
Posted by admin in Personal Finance on March 14, 2011
I need a personal loan for 5000 to pay off some of my bills. But is having a hard time because some lenders say I have no credit history. But their is a gas bill that isn’t mind on my report.
Ryan
Where can I get a good low interest personal loan(unsecured) for debt consolidation?
Posted by admin in Personal Finance on January 27, 2011
I need to pay off like 5 credit cards,and 2 personal loans. I am just trying to put it all together and lower my monthly payment. Please help me with this.I have pretty good credit i guess but alot of inquiries because 2 car dealerships shotgunned my credit report around.
Please no more scammers trting to give me a loan. Just wanted to know some legit loan company’s that would work with someone
Justin
How do I find out if a friend used my personal info for credit cards, or purchases?
Posted by admin in Personal Finance on January 9, 2011
My ex-friend and I had moved to Key West, FL. She had a lot of my personal information and I think she claimed me and my family on income tax for 2008 because I went to file myself, it was rejected because me and my dependents had already been claimed. So can I find out if they did this if I gave her name? Also, when I moved back to TN I’ve recieved bills, etc. that I’ve never heard of and don’t know what they’re for. If I did a credit report would the information be helpful for this problem. Also, the IRS told me over the phone that my family and I might have to get new S.S #. Is this a common way of identity theft problem solving?
Elsie
which are three main credit reporting companys?
Posted by admin in Personal Finance on January 7, 2011
Is it a wise decision to consolidate credit card debt with a personal loan?
Posted by admin in Personal Finance on December 29, 2010
I recently graduated college and was unemployed for several months afterward. My savings, etc, quickly ran dry, and I began carrying a credit card balance to live. I’ve begun working (finally), but my credit card balance is quite high now. The interest rates on my two cards range from 11.9% to 16.9%.
I’ve just finished paying for my car, so I now own it outright. The resale value is fairly high. I think I can get a personal loan through my bank to pay off my credit cards, especially if I use my car as collateral, at a rate of 8.9%.
I’m sure these compound differently, but I just don’t know enough about it to compare the costs. So, three questions:
1 – Would it save me money (in interest) to pay off the higher interest credit card balances with a personal loan through my bank?
2 – Is it wise to use my car as collateral?
3 – Does a personal loan “look better” on a credit report, compared to credit cards with high balances?
Thanks in advance!
Minnie
How can I get approved now for a credit card or loan?
Posted by admin in Personal Finance on October 16, 2010
When I was 18 I got 7 credit cards and ran them up. (I know crazy right?!). Well I couldn’t pay for them because I ended up moving with my husband to a new town and I couldn’t get a job. Well now I have paid off four of them about to pay off the fifth one this weekend but I still have two left that are over a $1,000 each. (Actually one is less I forgot I paid on that). Well I have been trying to get approved for a personal loan or get a credit card worth the same amount (for plastic surgery). I know people will say I don’t need to put myself back in debt but its something that I really want to do. My marriage could suffer because of my insecurities and so I know it will help me so please don’t try to talk me out of doing it. I just can’t get approved for a loan because my credit score is still low. Two of the cards still haven’t cleared on my credit report. Is there anything I can do to help me get approved better? I need this loan asap before my husband deploys so he can be with me to help me!!!
Ricky