I need $2,500.00 to get myself out of trouble. Anyway to do it?
I am beyond in debt my credit score is 441 I do not want to use one of those check cashing places. is there any company out there that would give me a loan? The credit cards I have now, I pay on time but I think the damage is done.
With a credit score of 441, NO ONE is going to loan you any money (save a loan shark)
but not to worry it just means that you have to either earn more or spend less…..
If you cannot get another job or have a garage sale or sell things on ebay
you can cut your expenses…..get rid of cable or at least all of the pay channels
turn down the water heater settings
wear more clothing to bed so that you can have the house cooler in the winter
make a list for the grocery store and buy food for the week
take your lunch to work
on the weekends, entertain at your house
rent movies from the library
read the paper and find a few free or cost things to entertain you on the weekends
Give blood (plasma) by finding the donation place in your phone book….most of the winos and school kids go there so plan the hour accordingly…. if you go once per week you can make $150 a month and you can use that entire amount to pay down your debt….
Decline ALL wedding invitations unless it is immediate family
for birthdays, give the gift of your time (spend the day with the person, make dinner, run errands etc)
Dont be embarrassed to tell your loved ones what is going on so that they can help. Most have been there (with a tight budget) and will help you stay on track by finding lower cost alternatives for fun…
But most importantly, figure out how you got into this mess….
did you spend money that you did not have thinking you would pay it back later, did you try to impress a girl, do you impluse shop? until you figure out honestly how you got there, you will repeat this situation again
also
YOU MUST STOP using the cards TODAY
Have you heard of prosper.com or any other person to person lending sites? I would check them out for your immediate needs.
For longer term needs it sounds like you need to gain better control of your finances. Spend only what you make. Pay down your debt with any extra cash available. Watch where you spend your money, know where it is going, then redirect non necessities to pay off your debt and begin living freely without that financial burden.
References :
With a credit score of 441, NO ONE is going to loan you any money (save a loan shark)
but not to worry it just means that you have to either earn more or spend less…..
If you cannot get another job or have a garage sale or sell things on ebay
you can cut your expenses…..get rid of cable or at least all of the pay channels
turn down the water heater settings
wear more clothing to bed so that you can have the house cooler in the winter
make a list for the grocery store and buy food for the week
take your lunch to work
on the weekends, entertain at your house
rent movies from the library
read the paper and find a few free or cost things to entertain you on the weekends
Give blood (plasma) by finding the donation place in your phone book….most of the winos and school kids go there so plan the hour accordingly…. if you go once per week you can make $150 a month and you can use that entire amount to pay down your debt….
Decline ALL wedding invitations unless it is immediate family
for birthdays, give the gift of your time (spend the day with the person, make dinner, run errands etc)
Dont be embarrassed to tell your loved ones what is going on so that they can help. Most have been there (with a tight budget) and will help you stay on track by finding lower cost alternatives for fun…
But most importantly, figure out how you got into this mess….
did you spend money that you did not have thinking you would pay it back later, did you try to impress a girl, do you impluse shop? until you figure out honestly how you got there, you will repeat this situation again
also
YOU MUST STOP using the cards TODAY
References :
No you are screwed in the credit world JUST NOW.Pay day loans are not really loans its advance on a check you write.My credit is a terrible terrible 580 and I tried 18 different loan companys and only one gave me a loan for only 500 to start off.As far as 2500 it would be a miricale in my opinion.Unless you have a car get a title loan but for 2500 your car would have to be about a 8000 value.Then if you default they keep yhe title and sell it.
References :
Today the lenders have started offering nearly all varieties of loans for people with poor credit record.They are also introducing many new loan products meant for this group. Now people with poor credit can get the same choices as those with the good or mediocre credit. Today you can use bad credit personal loans for many purposes like car purchase, vacation or even debt consolidation.
But if you have some assets to offer as collateral, your chances brighten. The primary reason why people with poor credit history do not get loans is because the lenders are scared that the borrowers will default again. But if you can offer collateral, your lender is secure in the knowledge that his money is in safe hands. You have to try and meet the repayment schedule, failing which you lose the asset.
http://pay-your-debts.com/category/Personal-Loan-With-Bad-Credit.html
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