If you have good credit and have been turned down for a loan.
I would like to hear ONE story.
Good credit = you are using no more than 30% of your available credit on your credit cards!!!!!!
Maxed out people = you don’t have good credit.

How bad does your credit have to excused from a job? I have 11 derogator accounts; all of these accounts are medical bills. I didn’t have health insurance for a while. I paid off over 4000 dollars in medical bills last year and have yet to begin making payments on the bills on my credit report. I figured pay current bills to prevent anymore from going on my report. (Executive Assistant supporting ceo,cfo and coo at a Medical facilities)

I have pretty bad credit, so i don’t think i’d be able to take out a regular loan. My parents have already taken out loans in my name for school (with my permission), so I know my social security number has passed through the system before. Would my credit affect my ability to get another student loan? What about already having some out in my name? Thanks!

My fiance and I are trying to buy a house. But no where will give us a loan because he has such horrible credit. Will getting a debt consolidation loan help his credit enough to be able to get a home loan?
Also the things that are bad on his credit are all in collections if that makes a difference.

When you use your credit card at a store for a purchase, and take the option of also getting cash out with your purchase, does your credit card company bill you for a cash advance, or does it just look like whatever amount you take out plus your purchase to them?

Don’t the credit report agencies have to have permission from you before they give anyone your credit report? How can anyone get your report to check on your credit and whats on it? This is not right!

We keep applying to all of these apartments forking out all kinds of money for the darn deposits and having no luck all due to bad credit but of course they say they can’t explain why. I know we don’t have the best credit, but we need an apartment bad, living with the in-laws is killing our marriage.

My boss needs me to find a reliable service that will provide an in depth credit, criminal & background check on someone. Any suggestions? All the places I’m finding online don’t offer what I need….

Does getting credit counseling hurt your credit rating??? The places where they lower your interest ..ETC…

I am in debt and I am sick of it. I have not gotten anywhere the last few years with my debt the way Im paying them. I also do not want to go bankrupt. I want to be responsible and pay what I owe them. Most of my cards are very high interest in the 20′s percentile.

So I have heard a lot about credit counseling and how they lower your interest, cut your debt by quite a bit and then turn into one low payment a month……instead of having the 20 payments I make now.

The question is does this hurt your credit to go through these agencies if so…how bad does this hurt your credit and for how long??

I want to have good credit and thats why Bankruptcy was a big no, no.

Or are there better options out there? No one at the moment will let me borrow more $$$ to consolidate…..

anything else I can try???

IM SICK OF DEBT!!

Please help!!!