I want to find a reputable lender have ccj want to consolidate all debt get on feet start new year a fresh anyone help that is genuine
not yes loans or debt management!!!
2006-12-26 10:28:28 · 6 answers · asked by cackle01 1 in Business & Finance ➔ Credit
The local banks or credit unions are your best best. They are reputable. Credit unions are more forgiving if you have less than perfect credit. If you have a 680 or above FICO (credit score - try your bank first - all national ones - Wells Fargo, Washington Mutual, etc...).
2006-12-26 10:33:15 · answer #1 · answered by Martini Babee 4 · 0⤊ 0⤋
If you can consolidate all debts into one lower interest loan which you pay on time it's a great idea. The problem is that many people then free up their credit cards and run them back up again and again. You've got to stop the spending until you are debt free and then use moderation or you'll never own anything. Do not cancel the credit cards you pay off... keep them as history. You don't have to use them. Leave the accounts open with a zero balance (unless you are paying annual fees). Try to get your debt consolidation loan interest as low as you can and then sock every dime you can into getting control of your money and of your life back.
2016-05-23 08:56:31 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Dependent on how old the ccj is and whether it is settled or not really makes a difference on which loan companies will help at what APR,go on supermarket money.com,you put your details in(no credit search done)they basically want to know how much you want,over what time,how much credit you have,and if you have any defaults or ccjs,they then come up with lenders that can help.If ccj is quite old some high street banks will help and if your credit has been good since that will help
2006-12-26 12:56:58 · answer #3 · answered by NATALIE W 3 · 0⤊ 0⤋
The answer above is wrong. go and see a credit union first shop around, tell them what it is going to be used for. You will get set up on a installment plan like a car loan. Do you have any collateral, car, home etc. you will get a better interest rate. Doing this will help you get out of debt fast and help you credit rating faster. It sounds like you have good intentions and goals to get out of debt, now go with it and it will happen
2006-12-26 11:05:27 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Getting into more debt to clear the original debt is not adviseable. Cut up the credit cards, pay cash only & ask your friends to help - they won't charge you interest when you have to pay them back. Good luck in 2007.
2006-12-26 10:38:51 · answer #5 · answered by Anonymous · 1⤊ 0⤋
Try Aegis Lending.
http://www.aegislending.com
2006-12-26 10:31:16 · answer #6 · answered by rdncgirl 2 · 0⤊ 0⤋