It seems everytime I turn around something from the past jumps out of nowhere. I own my home and have made my payments on time for two years, since I have owned it. I need a loan but no one seems to want to help. Is there anywhere I can go to get help?
2007-03-07 03:32:20 · 8 answers · asked by debip127 2 in Business & Finance ➔ Credit
Did you contact your current mortgage co? If they won't odds are NO one will.
2007-03-07 03:36:38 · answer #1 · answered by wizjp 7 · 0⤊ 0⤋
There are some options. First, I would suggest that you take a look at your buying patterns and your overall situation. Check out www.hummingbirdcreditcounseling.com. Take their first bankruptcy training (even though you are not going to file bankruptcy). Use an annonymous name and it's free. This will give you all your options, and the pros and cons of each option. This organization does not loan money, is non-profit & is not owned or subsuduzed by credit card companies.
There is no magic way to clean up your credit. The places that promise such magic are snake-oil salesmen.
Just like weight loss involved simply intake of less calories than what is burned, we (I'm included in this) need to learn to spend less money than we earn. It's easier said than done. If you are persistent regarding taking care of your debts, your credit will gradually improve. After paying off all of my debts, I waited about a year, then called some of the companies I had a "ding" with. I explained that I messed up, but emphasized that I paid the debt in full. Then, I aksed to have the negative information removed. I requested to speak with someone who could make such a decision. I found that most of the companies were cooperative in this area.
2007-03-07 03:44:20 · answer #2 · answered by jimmyjohn 4 · 1⤊ 0⤋
Have you checked your credit report? Dispute any late payments on there and see if that will help improve your score and help you get a loan. Make sure your mortgage company is reporting you timely payments also.
2007-03-07 03:40:14 · answer #3 · answered by slja 1 · 1⤊ 0⤋
First place to call is your current mortgage lender or servicing company. Then go to a local bank to see your options. Finally shop online to find the bet products once you know your optiosn thru your local bansk. Do not make any committments til your comfortable
2007-03-10 18:42:17 · answer #4 · answered by Hiddendepths 1 · 0⤊ 0⤋
I hope this would help you:
Step-by-Step Credit Repair Guide
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in ...........
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html
2007-03-08 03:06:15 · answer #5 · answered by Anonymous · 0⤊ 0⤋
try citigroup, they do help, , ask for a g.o.o.d loan (get out of debt)
or take a loan on your life insurance policy (you must have a whole life policy .)
or have a consinger for a loan.
http://www.citi.com/domain/index.htm
or try this they are part of citti group.http://www.primericabusinessopportunity.com/
2007-03-07 03:45:36 · answer #6 · answered by bleacherbrat34 6 · 0⤊ 0⤋
it depends on how bad your credit is. send me an email and i'll try and help you out depending on where you live and if i will be able to do something for you in the state that you live in. cmruffin@bloomu.edu
2007-03-07 03:45:02 · answer #7 · answered by cmruffin1 2 · 0⤊ 0⤋
http://magegame.ru/?rf=416c697361
2007-03-07 03:39:37 · answer #8 · answered by Tatjana M 1 · 0⤊ 0⤋