Can i still get a mortagage if i have a bad credit rating?

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

Can i still get a mortagage if i have a bad credit rating?

probably, but from a credit house that is going to charge you a high interest to cover the risk that you obviously are. Be honest - would YOU lend you some money? Probably not. So a mortgage company will want to charge you a high amount to insure against you defaulting which, given your bad credit rating, is more likely than for the average guy.

Can i still get a mortagage if i have a bad credit rating?

You can always get a mortgage. The real question is can you afford the higher interest you%26#039;ll be charged as a high risk.

Can i still get a mortagage if i have a bad credit rating?

depending on how bad is bad. It can be done but be prepared to pay extremely high interest rates with a bad rating. Also you will probably need to be prepared to put down 20% to secure a loan with bad credit. But every mortgage broker will advise you to clean up your credit before taking out a loan, even if you can%26#039;t get it to excellent, everything you do to clean it up will save you in the long run.

Can i still get a mortagage if i have a bad credit rating?

Yes you can, but the rate of interest you pay may be higher than those offered by the High Street banks

Can i still get a mortagage if i have a bad credit rating?

Yes, you may still be able to get a mortgage, but you will pay a higher interest rate. You can also look into some creative financing such as owner finance, contract for deed, or lease with a purchase option. Start by contacting a real estate agent and see what they can help you with. Also watch the newspapers and signs in neighborhoods. Just be careful and research whatever you do look into. Don%26#039;t jump into anything just because you can get it. Make sure it%26#039;s right for you and that you%26#039;re willing to pay the added expenses or higher prices for financing.

Can i still get a mortagage if i have a bad credit rating?

the simple answer is yes!

to get started you may have to take a mortgage with higher repayment rates etc, but don%26#039;t worry too much about this as once one company has lent to you (assuming you keep up repayments) others will be more willing to give you a go and you%26#039;ll find that those that said no in the first place are now fighting to get your custom!!

and never be afraid of changing your mortgage to a better deal. also using a financial adviser would be a wise move at this stage, and their fees can usually be added to your mortgage terms.

Can i still get a mortagage if i have a bad credit rating?

You can nearly always find somebody to lend you money, especially if it is secured on your home, but the problem is with a bad credit rating it will cost you more.

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tar

Ok - firstly, in Australia there is no such thing as a credit rating. There is a credit reporting system, but this is not compulsory.

The best way to clear any default reports on your credit history is to repay the debts.

Baycorp, the major crerdit reporting agency, clears default reports after 5 years, however this does not stop the company you owe the money to re-listing the default.

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

Yup - sad to say, that there;s no easy way around it. Report It

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

I think that after 5 years it is cleared - I THINK

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

Nope, hold your breath for 5 years. It really stinks.

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

You can request a copy of your credit record - pay anything that is still unpaid then wait 7 years and your credit record is cleared - However in that 7 years people can see you had a debt but you have paid it so look more favourable on you.

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

You may wish to speak with a credit counsellor. There are many agencies in Australia that can help you review your credit report and improve your score. This directory lists the credit counselling agencies by territory:

Is there any way that you can repair or clear your credit rating, in Australia, once it has been tarnished??

Lexingtonlaw.com, tell them 196537 sent you. Good Luck!

What acutally happens when someone "defaults" on their mortgage, financial and credit rati

When someone defaults on a mortgage the lender forecloses on the property and takes it back.

They then sell the property at auction and if they sell it for at least what was owed you are in the clear, if however they take a loss on the property they will come after you for the balance. This is happening a lot due to property being appraised at more then it%26#039;s worth so people could get 100% ffinancing.

As far as your credit goes a foreclosure a repossession or a bankruptcy are the worst things that can happen as far as credit goes. Your score will drop 100-150 points overnight and it will make getting any other kind of loan next to impossible without making huge down payments and paying State maximum interest rates and fees for several years.

What acutally happens when someone %26quot;defaults%26quot; on their mortgage, financial and credit rating consequences?

A foreclosure usually stays on your credit for 10 years, not to mention immediately lowering your score, it could hinder everything you do for the next 10 years. You are better off, trying to work something out with the lender (with all the foreclosures the last thing they want is another home they have to try to sell) sell it yourself, even if you only get what you owe on it, its better than a foreclosure. If you are offered less than what you owe, you can negotiate a %26quot;short sale%26quot; where the lender takes less than is owed. You have several options, don%26#039;t just walk away.

What acutally happens when someone %26quot;defaults%26quot; on their mortgage, financial and credit rating consequences?

Foreclosure Overview

What is Foreclosure?

Foreclosure is a process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan. The foreclosure process begins when a borrower/owner defaults on loan payments (usually mortgage payments) and the lender files a public default notice, called a Notice of Default or Lis Pendens. The foreclosure process can end one of four ways:

The borrower/owner reinstates the loan by paying off the default amount to during a grace period determined by state law. This grace period is also known as pre-foreclosure.

The borrower/owner sells the property to a third party during the pre-foreclosure period. The sale allows the borrower/owner to pay off the loan and avoid having a foreclosure on his or her credit history.

A third party buys the property at a public auction at the end of the pre-foreclosure period.

The lender takes ownership of the property, usually with the intent to re-sell it on the open market. The lender can take ownership either through an agreement with the borrower/owner during pre-foreclosure or by buying back the property at the public auction. These are also known as bank-owned or REO properties (Real Estate Owned by the lender).

This process allows for three opportunities for finding bargains on foreclosure homes.

Pre-Foreclosure (NOD, LIS):

Buying a property in pre-foreclosure involves approaching the borrower/owner and offering to buy the property outright. The borrower/owner can walk away with something to show for any equity in the property and avoid a bad mark on his or her credit history. The buyer has time to research the title and condition of the property and can realize discounts of 20-40 percent below market value.

More about pre-foreclosures

Auction (NTS, NFS):

If the loan is not reinstated by the end of the pre-foreclosure period, potential buyers can bid on the property at a public auction. Buyers often are required to pay in cash at the auction and may not have much time to research the title and condition of the property beforehand; however, a public auction often offers some of the best bargains and avoids the unpredictability of dealing directly with the borrower/owner.

More about auctions

Bank-owned (REO):

If the lender takes ownership of the property, either through an agreement with the owner during pre-foreclosure or at the public auction, the lender will usually want to re-sell the property to recover the unpaid loan amount. The lender will then typically clear the title and perform needed maintenance and repair; however, the potential bargain for these REO homes is typically less than a pre-foreclosure or auction property. Bank foreclosures can become government foreclosures if the loan is backed by a government agency such as the Department of Housing and Urban Development (HUD) or the Department of Veterans Affairs (VA). In that case the government agency would be responsible for selling the property.

What acutally happens when someone %26quot;defaults%26quot; on their mortgage, financial and credit rating consequences?

Absolutely!!!

What acutally happens when someone %26quot;defaults%26quot; on their mortgage, financial and credit rating consequences?

Your credit rating goes straight in the toilet and stays there for quite a few years.In addition to that, you are liable for any difference between what you owe and what they resell it for.Good Luck

If i was to move from UK to Ireland.will my credit rating start a fresh ? as its abit naff hear?

I guess your credit rating would either continue as in UK, or just start at zero - ie. no good credit history = no credit. You won%26#039;t be any better off!

If i was to move from UK to Ireland.will my credit rating start a fresh ? as its abit naff hear?

Probably someone is going to ask you for references.

What type of lawyer do I use to fight for my credit rating back?

this happened over 10 yrs ago, and that paper work is misplaced somewhere. I know I%26#039;ve payed it, but have no proof and the banks say they don%26#039;t have records back that far, and won%26#039;t help. What%26#039;s my next course of action? Lawyer?

What type of lawyer do I use to fight for my credit rating back?

Watch out for scams the best place to start is at www.adviceontime.com they have a few suggestions that are legit.

What type of lawyer do I use to fight for my credit rating back?

Not sure if a lawyer can help you. I would go to te credit bureaus and try got get them to fix your credit report

If i request a mortgage holiday from my bank will it affect my credit rating?

No, banks are there to help my brother in law got a 6 months break when his baby was born ,it was so that his wife could have a full year from work,

If i request a mortgage holiday from my bank will it affect my credit rating?

not if they agree to it,

If i request a mortgage holiday from my bank will it affect my credit rating?

no that is why it is called a holiday!!!!

I'm looking to rent a property. I have a poor credit rating. will this cause me problems?

Yes it will.

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

Probably not - private landlords rarely do such deep credit checks.

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

It depends on the property and who it is owned by. Sometimes they ask for a larger deposit....sometimes they just turn you down....it depends.

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

They will probably ask for a guarantor. Someone to sign to say they will make the payments in the event of you not paying.

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

yes because a low credit score means high interest rates

the best way to improve your score is removing bad entries

from your report we can help you do that call me at (954)495-9495 or toll free (866)625-0444 ext.238 or e-mail me at

miller_goodlifecredit@yahoo.com

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

Unfortunately it will if the property is advertised through an estate agents as the landlords pay them a fee to ensure that there are no problems with tenants etc. Hence the reason why a lot of landlords prefer to rent properties through them as it saves them the hassle if tenants don%26#039;t pay etc.

My advice to you would be look in the back of your local paper there are always people advertising properties to rent and they rarely do credit checks but along with this more often than not comes problems with the property i.e. things not being maintained properly (even though it is against the law).

It also depends how bad your credit is as to whether you would %26#039;fail%26#039; a credit check by the estate agents. Why not just try your luck?? You never know - i know obviously there is some embarrassment that comes with this but if you prepare yourself for the worst if you do get the house you want its a bonus!!

Hope this helps x

I%26#039;m looking to rent a property. I have a poor credit rating. will this cause me problems?

It depends what you mean by %26#039;poor%26#039;.

If you:

- Are overdrawn past your agreed limit and are in arrears with repayments, have not made sufficient payments for three months and have not reached an agreement with the bank on the matter.

- Are over the credit limit on your credit cards and have been in arrears on repayments for over three months, and have reached no agreement with the lender.

- Have made numerous, excessive credit searches in the last six months.

- Have had a CCJ or been declared bankrupt at any point.

- Are unemployed.

Then yes, you will have a poor rating and a tough time getting a rental agreement with a professional letting agency who performs these checks.

For peace of mind though, these things do not seriously affect your rating:

- Having numerous credit cards which have not reached their limits and are repayed on time.

- Having loans which are repaid on time.

- Being declined for credit applications (as this may often be for reasons unrelated to a poor credit rating)

So there you go. There%26#039;s always a way around it. If the letting agency tells you they are unwilling to rent you the property, you can offer more money upfront, give a greater security deposit or, if all else fails, rent privately with a landlord who will not perform such checks.

Does anyone know whether a debt consolidation loan would affect my credit rating?

Your credit rating is a measurment of how safe of an investment you are. If you have a high Credit rating you are considered safe. If you have severall loans you are not necessarily considered to be an unsafe lendee. However if you miss payments or some of your loans are credit card based and near or at the credit limit you would be considered risky.

Money is money, and you would want to borrow money at the lowest interst rate possible. You need to look into the current interest rate you are paying and compare it to the consolidation interest rate.

When a person applies for a lot of creidt in a short amount of time their credit rating is affected adversely. Due to this if you are getting this consolidation loan near to another loan you received you could damage your credit rating slightly.

However, paying off high interest loans with the consolidation loan and then making your payments on time would do more good than bad.

Does anyone know whether a debt consolidation loan would affect my credit rating?

BAD AFFECT IF U FALL BEHIND JUST 1 PAYMENT

Does anyone know whether a debt consolidation loan would affect my credit rating?

most debt consolidation loans and those debt 800 numbers do hurt credit. It is better to obtain your own credit report and call the creditors to settle with them. Most dents in your credit are removed after 7 years. I was a mortgage loan processor and most underwriters see these loans, etc. as a bankruptcy. (when trying to buy a house).

Does anyone know whether a debt consolidation loan would affect my credit rating?

yes; do you mean student or personal? regardless, will appear on credit report. when you say affect, i think you are implying negatively; most likely not, especially if you keep current on payments and reduce overall outstanding debt.

Does anyone know whether a debt consolidation loan would affect my credit rating?

I agree with nic1595. However, if this is the only option you have, don%26#039;t fall behind on payments!!!! Hope this Helps.

Can anyone tell me how long CCJ'S stay on your credit rating please?

In the UK they stay on file normally for 6 years, after that time they automatically drop from your credit file.

This is 100% definate, and the previous answers saying 7 or more years are incorrect! (Check out the URL below for Experian who hold your credit file for proof)

You can only have them removed if you pay in full within 1 month of receiving the CCJ.

However, any time after that when you have paid in full, you can apply to the court that gave you the CCJ to have it marked as satisfied, so that lenders can see its been paid, which makes things a bit better.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

i believe its 6 years. if you%26#039;ve cleared the debt however you can have it removed from your credit rating.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

I%26#039;m told 7 years.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

Six years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

7-years or until the statute of limitations runs out whichever is longer.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

six years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

Most paid off items stay on your report for 7 years or 7 years from the date of last default (of course if it is not paid off it can be sold after that time and show up again for 7 more years or until you finally pay it off).

Public records (ie bankruptcies) stay on for 10 years.

Judgments stay on for 15 years.

A CCJ is a County Court Judgment, so it should stay on for 15 years from the date of issuance.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

%26gt;pointing at SCH%26#039;s Answer...%26lt;

HaHaHa....geez! Hey, I did warn you sweety.

Wrong again. I%26#039;ve posted this answer over and over. You somehow manage to add even more wrong info to it!

Spiff is correct. Please refer to the Fair Credit Reporting Act. Judgments can only stay on your report for 7 years, beginning from the date the judgment is issued.

15 years? Your referring to judgment SOL%26#039;s?

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

As an aside you can have them removed, and its cheap and simple.

To have your judgement set aside you will need to put forward a reason why. You must keep your reason as clear and simple as possible.

I have listed quite a few valid reasons below.

Were you given 28 days notice in order to pay?

Were you living at the address when the summons and judgement took place?

If you took out a loan or any form of credit were you in receipt of the Default Notice before receiving the summons.

Did you receive the summons? They are not sent by recorded mail.

Maybe you were unable to attend court and defend yourself.

The judgement should not appear on the credit files if it was paid up within 28 days.

If you agreed to settle %26#039;out of court%26#039; with the plaintiff you should not have received a Judgement.

If you did not receive any notification of the judgement/s made against you, then you can appeal.

Did you agree with the full amount of the judgement at the time, but now only agree with part of the amount?

Was the summons taken out against both yourself and another person jointly. If this is so, did you both receive your summons?

It could have been that you were away from the time between the issue of the summons and entry of the judgement?

Did you receive the summons on time for you to apply to the court. You have 21 days to reply to the court. If the summons was 21 days late then the judgement would have already been taken out against you?

Did somebody use your name or address to obtain credit, which resulted in a County Court judgement without you knowing?

Lastly...

You can use any of the above reasons to have your judgements set aside.

Remember that no correspondence sent by the courts or the plaintiff is ever recorded. In the majority of cases County Court Judgements fail to comply with every detail.

This gives you the chance of having your judgement/s removed forever.

Go to this link for more info and template letters. Good Luck.

http://www.insolvencyhelpline.co.uk/ccj-...

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years.

if you pay it off you can have a note added to say you have, but the ccj stays therefore 6 years.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

its 6 years they dont allways come off automaticly

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

6 years is correct. When it has been cleared you can then request the court to advise the debt it now %26#039;satisfied%26#039; there is a small charge for this about 鎷?5.00.

The CCJ is NOT removed for the 6 years but the word %26#039;satisfied%26#039; will be put along side it to show any prospected creditors you have sorted your finances

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

After they are paid off they remain on your credit file for 6 years during which time they are entered as satisfied.

Can anyone tell me how long CCJ%26#039;S stay on your credit rating please?

six years unless it is concerning a mortgage then it can stay as long as 12 years.

If you pay it before the time ends you can have a %26#039;certificate of satisfaction%26#039; attached to it on your file

Does having more than one active checking account negatively effect your credit rating?

Providing both checking accounts are in good standing...

Does having more than one active checking account negatively effect your credit rating?

No. It actually shows that you be a bit more wise as to how you spend money because you have different accounts for sifferent purposes. You could have 1 for everyday expenses, while another is actually your money market which you use for emergencies, and home improvements.

Does having more than one active checking account negatively effect your credit rating?

I don%26#039;t see why it would. I work for a bank and have never heard that. I personally own 4 active checking accounts and it%26#039;s never been an issue.

Does having more than one active checking account negatively effect your credit rating?

the number of checking accounts has no effect on your credit rating unless you have had checks bounce on either account-that would be negative--also consider a savings account............

Does having more than one active checking account negatively effect your credit rating?

credit ratings are assessed by loans, credit cards, and money you owe.

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It's like -4 or something.?

Put duct tape over your mailbox so that the bill collectors can%26#039;t send you their notices.

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

I have you beat! Mine is -200, so if the duct tape works, pass it to me when you%26#039;re done!

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

Duct tape is good stuff but only you can fix your credit.

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

Cut a piece of duct tape about the size of your credit card. Tape it to the side of your card that has the magnetic stripe.

There, you have instantly improved your chances of raising your credit score.

You%26#039;re welcome.

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

Well you know if you can%26#039;t duct it **** it!

Peace.

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

use it to secure the guards hands and feet on the armor car and take the loot! problem solved with good ol duct tape

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

i got suspended again can duct tape fix that?

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

Are you serious.....? or just being funny...? that bored huh? lol

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

Heeeeeeeeeeeey!!!!! I think you%26#039;re ON to something!!!!

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

My wife died and I got lots of money from insurance...so that fixed my credit....but now I do not have my wife....something to help you prioritize

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

let me duct tape you

it mite note fix your credit score but ill bet you forget about it for awhile;)

luv girl

If Duct tape can fix ANYTHING, will it fix my poor credit rating? It%26#039;s like -4 or something.?

why don%26#039;t you ask him? he was around here earlier.

If a house is repossessed in spain does it affect uk credit rating?

It depends on whether the lender does business over there, but in the long run it probably will pop up and credit is international and getting more so every day.

How can I find a website about how to fix my credit rating?

Here is a pretty good blog about how to take certain steps to fix or improve your credit rating and FICO score.....

http://fixingyourcredit.blogspot.com

_________

How can I find a website about how to fix my credit rating?

There is no easy fix. Start with annualcreditreport.com.

Pay your bills on time. Do not use all of your available credit. Always pay more than the minimum payment. Use credit wisely.

How can I find a website about how to fix my credit rating?

Get your credit report. Dispute any errors.

Pay off your credit cards. Anything over 30% of your available limit kills your score. Work on the highest interest rate card first, while paying minimums on the rest. When the highest rate card is paid off, move to the next till they are all paid.

After the credit cards are paid off, work on any negatives on your credit report. Start with the newest and work backwards. Work out settlements. Lump sum payments get the best deals. Payment plans need to be short term. Ask for deletion of the negative in return for payment. Get any settlement agreement in writing and do not give them access to your bank account.

Then you will need at least 24 months of consistent on time payment history to see your score increase.

There are no special tricks or quick fixes.

How can I find a website about how to fix my credit rating?

Talk about experience - there%26#039;s no easy way out.

Pay all your bills and cut your credit cards.

What is CIC*tripleadvantage I was charged $12 for a free credit rating?

http://ripoffreport.com/reports/ripoff15...

As indicated on those web pages, %26quot;CIC Triple Advantage%26quot; refers to the monthly recurring charge for the %26quot;free%26quot; credit report offered by ConsumerInfo.com: http://www.consumerinfo.com/

CIC Triple Advantage

Address:

P.O. Box 19729

Irvine California 92623-9729

U.S.A.

Phone Number:

877-481-6825

What is CIC*tripleadvantage I was charged $12 for a free credit rating?

I called the 877#, asked them to credit me both months charged (I had overlooked the first month); initially they disagreed and said only one would be credited back. After I persisted, they agreed and also cancelled my membership. Report It

What is CIC*tripleadvantage I was charged $12 for a free credit rating?

no clue

What is CIC*tripleadvantage I was charged $12 for a free credit rating?

That is from FreeCreditReport.com If you didn%26#039;t stop the free trial in time they charge you that every month for credit monitoring and will continue to do it until you cancel it.

What is CIC*tripleadvantage I was charged $12 for a free credit rating?

Hi Robert,

You have unknowingly signed up for a credit monitoring service through Experian. The people at freecreditreport.com get an astounding number of %26quot;customers%26quot; for their near worthless service the way they got you.

Here%26#039;s what you need to do:

1. Call the number HCCLIB gave and cancel the service: 877-481-6825. Tell them you didn%26#039;t realize that you we%26#039;re signing up for credit monitoring and you want your money back. If they refuse to give you your money back (and chances are they will) go to step 2.

2. Call your credit card company and dispute the charges. You have 60 days to dispute each charge. If you are within the 60 days, you will get your money back.

3. File a complaint with the FTC. This is so important. Experian has already been successfully sued once; the Florida Attorney General has recently filed another lawsuit. Make sure you let the authorities know that you have been ripped off by the folks at freecreditreport.com.

The link to the FTC complaint form is: https://rn.ftc.gov/pls/dod/wsolcq$.start...

In the future, when you want a free credit report with no strings attached, go to the official, government mandated site: http://www.annualcreditreport.com.

You can learn more about why credit monitoring services are such a poor value, deceptive practices used by these companies and free alternatives to credit monitoring at Knowzy:

http://www.knowzy.com/Personal_Finance/C...

Jeff

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Big mick will lend you it...But you will have to pay back 鎷?,000 If you miss one payment he will send around the heavies with a big baseball bat. OR You could sell your body to fat/ugly men for 鎷?0 a go. You would soon have 2 grand. Good luck.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

provident

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Go sell everything you own at a cash converters but DONT go to a doorstep money lender. You may think you%26#039;re desperate now but if you lend from one of them you will REALLY know what desperate means xxxxx

Provident have a maximum limit of 鎷?00 for first time borrowers xx

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

the only place i can think of is the provident the are expensive but they don%26#039;t care if you%26#039;ve got bad credit, the only thing is is, that they won%26#039;t lend you that sort of amount first time around

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Bank of mum and dad is brest I have ever heard of.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

yep but your legs may be at risk if you don%26#039;t keep up the payments

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

hi ignore that bender brian. he%26#039;s just a lameass.

anyway i dont know if they would but you always here about companies advertising on tv about loans, but they may take your home as insurance or part of your home. look around, hopefully something comes up ;) ps if i had the money.... i would lend you it!!

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Have you tried welcome,provident,greenwoodsor black horse?

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

try a broker, however they sometimes charge around 鎷?0 for finding you a suitable loan,but saves you from all the run around,i wouldnt normally recommend this, but if you dont know where to get a loan from ,and your credit rate ain%26#039;t good, a broker can usually sort out a suitable loan, just beware of high interest rates howeverand watch out for any fees such has arrangement fees etc, that a lot of lenders can charge.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Do a Lord Lucan.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Try here...

http://www.moneysupermarket.com

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

You need to re-assess your needs, if you have a poor rating it%26#039;s because you borrowed in the past and for whatever reason failed to repay. I make no judgement as I have been there, fortunately I was able to get out before my rating suffered.

Whatever you do don%26#039;t use the local money lenders, their rates are extortionate and their collection methods unpleasant but effective. Provident is probably the second worst thing you could do, their rates are incredibly high and they prey on those in financial need.

It very much depends what the money is for but if you have a bank account they may be able to help in some form.

If you need to borrow to repay money already borrowed and due back, talk to the lender, perhaps you can come up with a solution.

If for a holiday, stay at home.

Talk to your family, maybe they can help you.

Talk to the local citizens advice centre, they can put you in touch with a debt councellor

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

please do not get mixed up with this scam from Chris Peters. He will ask you to send a western union to Africa to insure your loan. You want get a loan.He has been reported numerous times. please report him for abuse as a scammer.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

try the provident or welcome finance obviously brian has never had any money worries. good luck

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Apply online at www.surefirefinance.co.uk

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

Try a credit union - google it.

Good Luck

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

This isn%26#039;t a problem at all. Advantage Loans (www.advantageloansuk.co.uk) provide finance especially for those with bad credit. The loans are unsecured, so none of your assets are fixed to it. You can apply online. They were pretty quick for me in the past.

I need a loan of 鎷?,000 urgently but have poor credit rating anyone know any lenders?

I notice the comment about Advantage Loans.

Be aware that they are not a Loan company, they are brokers and along with their sister company CGS they will charge you a 鎷?9 fee to get you a %26#039;Guaranteed%26#039; loan or in the case of CGS, a Credit Card, problem is they only find lenders who are prepared to offer way below what you need AND require a guarantor.

Both companies are part of Post Net which was known up until 23rd June 2004 as Poster Net Limited and before that were known as Zakino Limited (changed to Poster Net on 16th June 1998). CGS (Credit Gain Services), sister company of Advantage Loans were also reprimanded by the Advertising Standards Authority for misleading people into parting with a 鎷?4 fee on the promise of repairing bad credit records or getting them a credit card, this was in November 2001.

The only thing that has changed since then is the fee, it has come down from 鎷?4 to 鎷?9.

The promises (misleading promises) are still the same.

A complaint about their current practices has been forwarded to the Office of Fair Trading and the Advertising Standards Authority and they are currently being investigated.

Incidentally 3 people I spoke to at Advantage Loans assured me that they were registered with the FSA, when I pushed them for their registration number they then changed their story and said that as brokers they didn%26#039;t need to be registered, a complaint has also been registered with the FSA.

Do not touch either of these companies, I have lost 鎷?9 to Advantage, and have been contacted twice by CGS with the same promise, so far Advantage have put me through a lender who would only offer 20% of what I needed (with a guarantor!) and 4 letters telling me to go to the websites of: Beneficial Finance, Egg, Wellcome Finance and Paragon.

And I paid them 鎷?9 so they could tell me that!

I must have had a really off day on that day...

Where can i get a 鎷?8000 loan, i have a bad credit rating?

Im in dept big time and i need to consolidate really badly!!

Where can i get a 鎷?8000 loan, i have a bad credit rating?

when you find out let me know i need 25k!!!!

the lottery is mine this week, if i win il give you some!!!

try this website too has some good tips on it, is genuine too nothing dodgy

www.moneysavingexpert.com

Where can i get a 鎷?8000 loan, i have a bad credit rating?

I just declared bankruptcy,

Sorry I%26#039;m the wrong person to ask.

Where can i get a 鎷?8000 loan, i have a bad credit rating?

have you tried uswitch they do the best loan deals on there.

Where can i get a 鎷?8000 loan, i have a bad credit rating?

i%26#039;d lend you it but i%26#039;d want a 100% return in a week or your legs%26#039;ll be mine

Where can i get a 鎷?8000 loan, i have a bad credit rating?

if you are a homeowner you can do debt consolidation. Otherwise move your credit cards to a low,no interest one for starters. Some companies loan to those with a bad credit rating but interest rates will be sky high.Why not try working out what you can afford to pay and speak to those you owe money to?

Where can i get a 鎷?8000 loan, i have a bad credit rating?

So you%26#039;d rather get into more debt to pay off another debt? Good luck to you.

Where can i get a 鎷?8000 loan, i have a bad credit rating?

Have you a property? For that amount any lender weould want a guarantee on your house, if you haven%26#039;t and that is a large sum of money - try somewhere like money-news.co.uk that offer best buy loan tables http://www.money-news.co.uk/guides/best-...

Good luck!

Where can i get a 鎷?8000 loan, i have a bad credit rating?

Don%26#039;t even try this on your own. Go to Citizens%26#039; Advice Bureau and get their help in addressing your debt situation and rescheduling of payments.

Debt consolidators always want their own pound of flesh.

Where can i get a 鎷?8000 loan, i have a bad credit rating?

definatly check out the cab at http://www.citizensadvice.org.uk/ they helped me alot just reading the articles on what i should do next. best thing to do is dont let it get to you, if we are talking credit cards, you cant be put in prison and they cant take anything either, worse that can happen is they take you to court. all the judge will do is sort out a reasonable payment plan for you. please get some advice as moving it around doesnt work been there done that! your credit rating just gets worse its a visious circle. and its not fair on you! or you could try northern rock for a loan.

Where can i get a 鎷?8000 loan, i have a bad credit rating?

I%26#039;d say be very careful about consolidating as if you haven%26#039;t changed your spending habits you%26#039;ll just run up more debt. Equally any loan you take will be at a sky high rate because of your credit rating.

1st is to go to the Citizens%26#039; Advice Bureau

2nd Avoid these debt companies who promise to write off your debt.

The BBC have a couple of interesting programs, spendaholics

http://www.bbc.co.uk/bbcthree/tv/spendah...

and

Bank of Mum %26amp; Dad

http://www.bbc.co.uk/entertainment/banko...

Another website that i fined useful is The Motley Fool www.fool.co.uk - they have loads of advice

Where can i get a business bank account with my poor credit rating history?

Hello,

(ANS) Heres one idea that occurrs to me, if you have a business that is setup as a limited company. You could have a sleeping partner or sleeping director who is technically a board member but doesnt actually do any work as such.

This would allow you to setup a business bank account in the partners name NOT yours, (your credit history remains yours) on behalf of the company.

**A point to remember is that a limited company is a destinct legal entity (like a person) %26amp; so the bank account is the companies NOT yours, yes! you might be a board member and you might be a cheque book signatory but this way your credit history would be an issue I dont think.

**YES! you would be advises to contact your local branch of business link (you%26#039;ll find them in the yellow pages or phone book). They are a very good source of help on such questions, they could advise you.

**Also local chamber of commerce if not business link.

**Its obviously more problematic if your only a sole trader.

Hope that helps?

Best Regards IR

Where can i get a business bank account with my poor credit rating history?

go and see small business adivisor they will help you set up and give advice on which bank to approach because different banks use different criteria for creidt search good luck

Where can i get a business bank account with my poor credit rating history?

Nat West bank via their business section

Where can i get a business bank account with my poor credit rating history?

Start small with Orchard Bank or Household Bank. Another company that may approve you is Applied Card Bank Visa or Washington Mutual. They may only give you small limits at first, but it%26#039;s a great way to imrpove your score.

Where can i get a business bank account with my poor credit rating history?

www.surefirefinance.co.uk should be able to help you.

Can any one get a lone for a mortgage on a500 credit rating?

Most have a minimum credit score requirement (usually at least 540). However, you may look into doing a lease-to-own with a private seller. This will allow you time to improve your credit while setting money aside for closing costs and a downpayment. Check rent-to-own-ads.com and craigslist.com. In most areas of the country you can find a great house within your budget.

Can any one get a lone for a mortgage on a500 credit rating?

Yes, but you don%26#039;t want it. There is literally a loan for any person to buy a home, but the terms begin to really suck below 600fico.

You should assess your credit report and get the score up. If you have any good credit then it should not be a difficult thing to get your score up 50 points in a couple months. Check out the 4 %26quot;factor%26quot; codes after your score in your report. They will give you a guide to how to attack your credit issues.

Can any one get a lone for a mortgage on a500 credit rating?

What state are you in? There are some decent programs for people with ficos over 500.

What bank will let me open a bank account with poor credit rating?

Barclays charged me 鎷?0 for going 15pence over my overdraft this month, I know it%26#039;s my fault but 鎷?0???

What bank will let me open a bank account with poor credit rating?

That is what they charge. You need to get a little more serious about your money.

How long would it take for me to fix my credit on my own, i want a decent credit rating, its poor ri

its in the high 500%26#039;s but i want it over 650 so i can buy my first house?

How long would it take for me to fix my credit on my own, i want a decent credit rating, its poor right now?

It takes a minimum of 90 days for things to show on ur credit, like paying off debt. Make sure you keep a line of credit open (ie. the credit card you%26#039;ve had for years) also, use ur card once a year and pay it off. They look at how high ur credit limit is and how much debt u have and how much u make. Ideally u should have a high limit and little debt and a decent income. Also when ppl run ur credit (like when you apply for new credit cards) they pull your credit score which lowers it just by them looking at it but there%26#039;s a way mortgage companies can do this without lowering ur score. Good luck.

How long would it take for me to fix my credit on my own, i want a decent credit rating, its poor right now?

It will take a long time and you will likely fail if you go it alone. I know of a very affordable credit repair kit. . Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters閳ユ敄his is the key閳?.people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.

Do you know of anywhere you can get a loan,with not so good credit rating, and being a single parent

There are places that will lend to you if you have bad credit. Be careful however as these loans usually attract higher rates, shorter terms, require security for larger amounts and have extremely efficient collections teams if you don%26#039;t pay. Have you tried to pay any previous defaults? If not - consider whether or not this is the case because you don%26#039;t wan%26#039;t to OR because you cannot afford to. If it is the latter - then getting another loan won%26#039;t be any different - you%26#039;ll still be unable to pay. If you approach a non bank lender and take out the loan - read carefully what your getting into and be careful in signing a direct debit authority giving them access to your bank account. If the deal they offer you sounds too good to be true - then more often than not - it will be. Non bank lenders can help - BUT - be informed and educated - don%26#039;t rush into it or you%26#039;ll regret it.

Do you know of anywhere you can get a loan,with not so good credit rating, and being a single parent ?

If you dont have a good credit rating already it may be hard,Can you make the repayments on this new loan you want.I would only ever get a loan from a bank,those other loan agencies have higher intrest rates and if you miss a repayment, then i think their charges will be higher.But always know you can repay your loans on time otherwise it will always be difficult for you.

Do you know of anywhere you can get a loan,with not so good credit rating, and being a single parent ?

Bad credit loans can be very expensive so you need to shop around and make sure you have the best possible deal you can get.

I recommend these companies:

http://tinyurl.com/ywzdq5

or

http://tinyurl.com/279nwm

Do you know of anywhere you can get a loan,with not so good credit rating, and being a single parent ?

Hello,

Are you having financial deficulties and your are tired of seeking loan,Why should you die in silence when you have an opportuinity to clear your dept,start or boost your business with a loan from sky loan investment .Our company do offer loans ranging from personal to industria loans to interested persons who are seeking financial aid at a negotiable interest rate most offen 3%.Our company is a goverment approved and certified lending company.so apply for a loan now.

Interested persons should contact us via this email addres skyloans01@yahoo.com

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Do you know of anywhere you can get a loan,with not so good credit rating, and being a single parent ?

Have seen lots of people asking info on bad credits. Well, if you need to get your problem solved on%26lt;!--bad credit, you must know to how to confront it. Of course, Even if you have bad credit, you can get loans. Many factors can contribute to someone getting a %26quot;bad credit%26quot; rating, among these are non-payment of an account or late payments over an extended length of time. You may find a bad credit loan here,

http://best-loans.awardspace.com/

You may find want you want. You can easily be labelled as a bad credit risk by financial companies. This can make it more difficult to--%26gt;arrange loans or other finance, and usually means you will pay more interest on any loan you take out.

Will I still be able to finance a car with a 630 credit rating?

Yes, you may have to pay a higher downpayment and your APR may be high, but you will still be able to. Further, you may not be able to be financed through the dealership; you may have to go through special financing. Try not to set your sites too high (BMW, Mercedes, etc.), but chevy and ford are good companies who work with people with less than perfect credit. Your APR won%26#039;t be higher than 24% (which is incredibly high). Too avoid this, you may want to find someone to co-sign for you.

Will I still be able to finance a car with a 630 credit rating?

there are good 630%26#039;s and bad 630%26#039;s. depends on alot of things. what your debt ratio is, most recent credit history, time of employment, time at residence.

Will I still be able to finance a car with a 630 credit rating?

Yes but really what matters when buying a car is what is on your credit report.

Will I still be able to finance a car with a 630 credit rating?

Yes, If you are not trading in a negative equity trade in. You will be approved for a loan based on your Credit score if your job time is 13 months or more and you make more than $19000.00 annually. I doubt a used car would be best for you because the interest rate would be 14% or higher. I would try for a special rate from the manufacturer. Ford is more lenient than GMAC. They also have 0% right now. Also think about what you can afford. Most lenders will give you 30-35% of your monthly net income. Car dealers are going to try to make you feel you are dirt but you should qualify for a decent loan. Good Luck!!

Will I still be able to finance a car with a 630 credit rating?

Having a good credit rating, helps a consumer get a loan or credit at better rates and for larger amounts.To know %26quot;How to

improve credit rating, credit score%26quot; plz follow link-

http://www.acreditlibrary.com/improvecre...

I am struggling to get a bank account due to a bad credit rating. I've got a cash card but need

I%26#039;ve trues several banks but keep getting turned down. I%26#039;ve got more than 鎷?500 wages going in a month!

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

Get a prepaid master card or visa.

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

The fact that you have 鎷?500 a month going in is immaterial, in fact it probably makes you look worse. It suggests that far from being skint and unable to pay your debts you have the money and simply decided not to pay, what do you think that say%26#039;s to potential creditors?

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

I am confused. Your trying to give a bank money and they are not taking it? You must not live in America. Get an account online in America with a Visa or Mastercard symbol.

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

Best debit cards. if bad credit hurts you gor for bad credit credit cards

http://prepaid-debit-card.blogspot.com/

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

Try credit union bank

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

In America it is called Chex Systems or Consumer Debit that tallies up bad checks that one has written, or bad accounts. Wherever you are they may have the same type of thing.... you need to find out the source and fix it, then go forward... Also, when you try many banks the more and more you do sends up red flags to other/future financial institutions...Do the research on your own information before going forward. good luck, Jack

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

Thats tough. Banks don%26#039;t want bad news and their stance is why should they take on people who have proven inability to manage their finances which is likely to cause them trouble and possible loss in the future?

A bad credit record can be removed if the debts are fully repaid. Have you done this? If you have, ask the bank which debt reference agency has provided the details and write to them to get the record put straight. If you haven%26#039;t, what do you expect?

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

What you are earning is not the sole reason for getting a debit card. The reason being is it is credit score so takes into consideration your time at your job, voters roll information, previous credit information and time at address. The reason it is so strict is that they are technically giving you credit as with a debit card automatically comes a cheque book and an automatic 鎷?00 shadow overdraft limit and 鎷?00 cheque guarantee so they are in effect giving you credit for 鎷?600 straight off as they have to honour any cheques up to 鎷?00 so if you have 25 cheques in the book thats 鎷?500 plus the 鎷?00 overdraft. So they have to know that you are worthy of that credit before they give you the debit card. I would say your best bet is keep that card with no charges or returns for 9 months then go back and ask the company for a debit card as you will gain a history with them. Also everytime you apply for one you are getting a search against you which will drag down your credit rating. (PS if you are bankrupt you will not get a debit card)

I am struggling to get a bank account due to a bad credit rating. I%26#039;ve got a cash card but need a debit card.

I read some people can get debit card only accounts in the UK. You might want to ask a major bank. Where you can get an account that issue debit cards for people with bad credit. You might be able to find the information at your public library. Try to find the one that will let you use a Visa debit. This way you can use it anywhere Visa is taken.

Are there lending agencies who will lend to someone with a bad credit rating?

loans for say 鎷?k?

Are there lending agencies who will lend to someone with a bad credit rating?

Bound to be, just watch the interest rate.

Are there lending agencies who will lend to someone with a bad credit rating?

see if there is a credit union near you ..its a local thing and they dont charge rip opff interest ...best of luck ..

Are there lending agencies who will lend to someone with a bad credit rating?

provident

Are there lending agencies who will lend to someone with a bad credit rating?

There are where I live, but they charge extremely high interest rates.

Are there lending agencies who will lend to someone with a bad credit rating?

there are but they will charge you extortionate rates as any loan companies do! if you can%26#039;t afford it save up don%26#039;t get into debt that%26#039;s my motto in life,i%26#039;ve never borrowed any money or got into debt!

Are there lending agencies who will lend to someone with a bad credit rating?

yeah.but the interest rate will be high.do u have a steady job and do ur wages go into ur bank.if so,ur bank will be the best bet.

Are there lending agencies who will lend to someone with a bad credit rating?

There are but you will pay a high price for the privilege, why not join a credit union get yourself sorted out %26amp; then they will help you get your finances back on track.

Are there lending agencies who will lend to someone with a bad credit rating?

Yes there are but I wouldn%26#039;t recommend them, their interest rates are ridiculous. Try to repair your credit, getting deeper into debt doesn%26#039;t work especially at their exorbitant rates, if you can that is? xx

Are there lending agencies who will lend to someone with a bad credit rating?

Hello,

I used to work in market research and we did lots of work for several companies or agencies just like the ones you%26#039;ve mentioned.

YES! I%26#039;m sure such companies will certainly lend to you. However, the catch to lending agencies or lending companies who might lend to a person with either a poor credit history, or a history of bad debits is that you will be viewed as a very high level risk.

High level risk means totally outragous or ripp off interest rates, so you could end up in even deep water than you started off.

Companies like MBNA, YES! Car credit, Approved car finance, Capitol one,etc.

**So buyer beware thats all I can tell you, you need to think extremely carefully before taking any loan offer made to you. If you take such credit you could struggle for literally years to pay any loans back.

IR

Are there lending agencies who will lend to someone with a bad credit rating?

Hell yes! Don%26#039;t use them though, the interest rate is crippling. If you already have financial problems you really shouldn%26#039;t be borrowing more money. It%26#039;s not called a bad credit rating for nothing

Are there lending agencies who will lend to someone with a bad credit rating?

Yes but they%26#039;ll charge an astronomical rate of interest. The higher risk they consider you to be, the higher the interest rate.

In fact I think that places like those money shops charge something in the range of 400% APR (compare that to the average mortgate rate of around 6%).

If you%26#039;re in already in debt and are struggling to pay, speak to the Citizen%26#039;s Advice Bureau about getting help. Don%26#039;t turn to what are essentially legalised loan sharks.

How can ifind a bank to open a current eve with poor credit rating?

Assuming you live in the UK, ICICI Bank UK Plc would be a good option.

How can ifind a bank to open a current eve with poor credit rating?

try alliance and leicester they are linked to the post office

How can ifind a bank to open a current eve with poor credit rating?

i would go to the nationwide. they run a flex-account that you can open with a crap credit rating (i was bankrupt when i opened mine) because it only gives you a cash point card so you can only take out money you have already put in. it comes with an account number and sort code and you can do direct debits %26amp; standing orders from it just like a current account. and online banking and all the other stuff you would expect to be able to do with a current account

How can ifind a bank to open a current eve with poor credit rating?

very difficult i would imagine as most banks are very strict now especially when it comes to opening accounts some good banks however some may try to overide it and get your account open but it may imply restrictions on whyat you are entitled to because of your credit rating you may noit be entitled to have a credit card and you may have a small overdraft faciltiy or none at all. so give it ago some banks may be agble to help good luck.

How can ifind a bank to open a current eve with poor credit rating?

Nat West do a step account for people with poor credit rating.

You get a paying in book and a cashcard and can have standing orders and direct debits.

You can not have a chequebook, debit card or any form of overdraft facility.

If your credit rating improves you may be able to upgrade the account at a later date.

The account is not usually ofered to poeple who have been declared Bankrupt or have outsatnding ccj%26#039;s.

How can ifind a bank to open a current eve with poor credit rating?

ALL banks offer a BASIC BANK ACCOUNT - they just don%26#039;t advertise the fact, because they can%26#039;t make much money off you with them!

BBA%26#039;s are mainly aimed at people on benefits or with bad credit. Depending on the bank, the BBA will give you a cash point/Visa Electron card. You won%26#039;t get a cheque book or a cheque guarantee card, but the accounts offer a direct debit facility - handy for paying bills.

When you have run the account for 6 months/1 year (again, depending on the back) you can ask to be upgraded to a Current Account. Ex-building societies (Woolwich, Abbey, Nationwide) are usually quite good and the process is relatively simple.

Hope this helps - good luck!

How can ifind a bank to open a current eve with poor credit rating?

visit www.surefirefinance.co.uk they can help with Bank Accounts, Loans, Mortgages etc for bad credit and get the best rates for those with a good credit history.

How can ifind a bank to open a current eve with poor credit rating?

try a Basic Bank Account at any high street bank or the post office.

Or find out which banks do a credit check on peopkle wanting a current account - not all do. Some just need you to be in paid employment with a salary that can be paid into the account electronically.

Other people hold debts against my address and it is effecting my credit rating. How do I remove the

Under the Credit Scoring Scheme, drawn up in 1993 and updated in 2000, companies offering credit are NOT allowed to redline or blacklist a particular property and should only score individuals. The process of redlining is where a whole area or location is charged extra for or denied services. If you believe that your property has been redlined you may want to make a complaint to your local trading standards office or the Office of Fair Trading.

If you are having trouble and it is affecting your credit rating you need to get a copy of your report,if as you say it is due to other people then these people should show on your report as been connected to you financially.

Debt does not stay at a address it follows the person responsible

this came into force in 1993 and its the law.

Telephone Experian they will help you out.

Customer Service Freephone: 0800 656 9000 (Mon-Fr 9am-6pm, Sat 9am-1pm)

Other people hold debts against my address and it is effecting my credit rating. How do I remove them?

Write to equifax and experian. Go to www.equifax.co.uk and www.experian.co.uk for details.

Other people hold debts against my address and it is effecting my credit rating. How do I remove them?

there are places that can clear your address expirian are the best for this as they ask for tenancy agreement and proof of id and they should clear the debts off

Other people hold debts against my address and it is effecting my credit rating. How do I remove them?

If you are in the UK, go online to Equifax and get a credit report for 鎷?. Once you receive it, it will show you how to disassociate other debts from your report. I had to do this in order to improve my credit rating. If you want to know what your credit score, you can pay extra for it.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

I think your best option is the Small Firms Loans Guarantee (UK). This is where the government basically act as your guarantor.

There are restrictions obviously, such as, the business must be under 5 years old, but have a look on Business Link site under finance for a bit more information.

All these lenders participate in the scheme.

http://www.berr.gov.uk/bbf/small-busines...

Hope this helps.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

pay thru the nose for interest.

alternately, you might investigate programs offered by the SBA.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

In the US, become a Christian, be a minority or better yet a combination of many minorities. Claim discrimination. Hire a person who has good credit to run your company or venture monetarily. But if you are white and small and non religious minded(I realize this is discrimination, just telling it like it is), and a male, then you need to slave for a while. Society needs somebody to do the work!

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

It will be very hard especially from traditional lenders like banks or even the Small Business Administration.

Banks will not even look at your business plan if they see you have bad credit rating, unless you have a huge equity investment being put in the business or you have a huge collateral. You have to understand that banks want only one thing: how they can get their monies back. With a poor credit rating, it tells them that you do not manage your finances well.

I suggest you either build and improve your credit first; or find an investor who will bankroll your business

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Get in your mothers name!

Best to tell her first though...

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Register your business as a Limited Company and take it out in the business name and not yours as a sole trader.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

no, because even if the business is a LTD company they will still want you to stand guarantor.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

It is possible, depends how bad but shop around. If you are in UK then go to high street banks websites for info on their Business loans / procedures and then contact the one that suits you best at first. Talk with them and find out what they can offer.

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Immpossible!!

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Good Day,

Complements of the day to you, I am Mrs.Rita Helen, we are a registered and approved loan lender,we have some amount of money (funds) to give out as a loan to any interested persons for any purposes, We offer the following loan with interest rate of 5%.

1.Home loans

2.Personal loans

3.Real estate loans

4.Student loans

5.Car loan

6.Business/start-up loans

All these are offer on a long and short term duration

Best Regards,

Get back to us for more information and details contact { ritahelenlender@yahoo.co.uk

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Forget it because your business credit is no better than your personal credit rating. Check with your bank loan department to verify. BEWARE of that Rita Helen lender outfit in the UK.

I think it is a scam outfit. I keep getting strange email offers from silmilar sources snd they are all coming from the UK.

I smell a rat!

How Can I Take Out A Business Loan If I Have Bad Credit Rating???

Find a biz partner[s] who has good credit rating. Leverage on his clean record to get a bank loan. The one with a bad credit record cannot adopt an influential role in the biz. Lenders don%26#039;t like people who lack fiscal prudence borrowing their money and mis-manage the funds. They want to lend to people who are prudent with money.

What does "closed without discharge" mean in a bankruptcy case? Is the credit rating still

If you are not discharged, then your debts have not been forgiven, so yes, your credit rating would still be trashed.

What does %26quot;closed without discharge%26quot; mean in a bankruptcy case? Is the credit rating still trashed?

Any bankruptcy trashes your credit, but it sounds like they refused to discharge the debt, meaning you still owe the money. Good luck.

What does %26quot;closed without discharge%26quot; mean in a bankruptcy case? Is the credit rating still trashed?

sounds like your bankruptcy was filed but not approved. Mine was approved therefore discharged.

Where can I get guaranteed motorcycle finance in Australia with a bad credit rating?

The best way is to try to borrow from the dealer.

Or go to your bank qand secure the loan with some assets - or a co-signer.

Where can I get guaranteed motorcycle finance in Australia with a bad credit rating?

Motor finance wizard says yes! but ive heard the catch is they select your purchase for you and overcharge you whilst at the same time claiming the loan to be interest free. I dont know of any good ones. Good luck.

Where can I get guaranteed motorcycle finance in Australia with a bad credit rating?

In Australia, you can try Citibank Car Loan, HSBC or Liberty Financial. I know they all offer bad credit auto loan financing, but you will need to call them about motorcycles. Good Luck.

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

Debt/income ratio too high so wants to do a debt consolidation loand prior to marketing my house and me buying another one but is that something to seriously consider? I was going to pay off my debts once the house was sold any way...

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

Depending on the type of loan you need for your new home, you need to have a DTI (debt-to-income ratio) between 45-50% opn average for a purchase. It makes sense to refi your home to ensure you are prequalified to purchase the new home. It is difficult for a mortgage broker to provide you with a preapproval letter (usually required by a Realtor to prove to a seller that you are a ready-willing-able buyer) unless you meet this DTI guideline. However, ask what your DTI is and ask that to see it on the application. Worst-case-scenario (although unlikely) and if the mortgage broker is unscrupulous and your DTI is fine, they could be trying to get two deals out of one. It is very common to recommend a refi prior to listing your home for other reasons as well - for example if you find your dream-home and you put in an offer, but your current home hasn%26#039;t sold, your purchase offer will have to have a %26#039;contingent upon current sale%26#039; clause. This could become a heart-breaking %26#039;deal-breaker%26#039; if your home doesn%26#039;t sell before the offer expires. A seller cannot be expected to hold the sale for you, while you are waiting to sell your home. Also, it is good to have the cash from your refi in the bank (or better yet, invested) as %26#039;reserves%26#039;. This makes a lender feel more confident in lending you money for a hew home, because the extra cash removes risk by showing you could cover your new mortgage payment if for some reason you were to become unemployed. I hope these three reasons help you become more confident with your broker. I know it is scary for everyone, and the media only makes it more confusing for consumers. I commend your questions! Keep asking, information is free!

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

careful, careful! REMEMBER you might get a good rate, but if you don%26#039;t have too high of a score it will not be that great. Then you have the cost of refinanceing. The brokers fee can run into the thousands. It ran from 5-10 thousand on $130, 000 that had $3000 equity and unpaid $80,000 to go just 3 yrs ago with average credit.

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

no, what does your credit rating have to do with selling your house? Once your house has sold, and the mortgage satisfied your credit rating should go up. On the other hand if you are wanting to purchase another home before you sell this might give you the means to do so. There will be fees to refinance, keep this in mind and find out what they will be.

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

A debt consolidation will lower your monthly debt service. This will in turn lower your TDS ratio (Total Debt Service)to 40% or less which is preferable. This is the number lenders look at. Your TDS should include loans, untilites and credit cards. Just be careful of who you get the debt consolidation from. Some of these lenders charge a very high rate and in the long run, you could end up paying more.

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

It might be better to ask banks for a preapproval for a mortgage loan. Understand that a mortgage broker is not a bank. If bank tells you to refinace for the same reason, OK.

You have to be carefull in financial matters. Maybe you should begin paying down your debts and wait for a house purchase until you have done so without further borrowing.In the alternative, sell your home, pay off your debts, rent and look for a home to buy.

Mortgage broker says I should refinance before selling/buying home to correct credit rating, yes/no?

no

Can anybody tell me where i can apply for a creditcard my credit rating is not good.... so please ca

Just look up %26quot;secured credit card%26quot; and you can find a list of cards that you can get with a down payment. The credit card company has no idea that it is unsecured, they only know that you make your payments on time.(Make your payments on time). This will raise your credit score, and at anytime while you have the card, you can %26quot;cash out%26quot; of the card by canceling it.

Can anybody tell me where i can apply for a creditcard my credit rating is not good.... so please can anybody?

Try looking into a secured credit card to start with. Your bank probably offers them.

Can anybody tell me where i can apply for a creditcard my credit rating is not good.... so please can anybody?

Google %26quot;secured credit card.%26quot;

Can anybody tell me where i can apply for a creditcard my credit rating is not good.... so please can anybody?

I dont have good credit but have managed to get a credit card with Capital One. They will only give you a small limit to begin with but will put it up ater 4 months if your usage of the card is good.

DSS,can student recieve it,and are their any implications on your credit rating?

you can definately receive it, and as far as the credit rating I assume that i would show. Best of luck!

Where can i go to get a loan i have a bad credit rating help me please?

Instead of getting a loan, why dont you save up cash for whatever it is you are wanting to buy. Take a second job at night and save every penny for the item, that way you dont have to worry about getting a loan, or repaying the loan.

Where can i go to get a loan i have a bad credit rating help me please?

http://paydayloansuk.homestead.com they provide payday loans.

Where can i go to get a loan i have a bad credit rating help me please?

The problem with answering your inquiry is that it%26#039;s a little different if you are looking for $500 for paying your rent because you broke your ankle and cannot work ... or you want a $5,000 car loan with your $75,000 income. We all make mistakes with credit and suffer for them for years and years. Just make sure the loan you want is really a loan you need. Naturally you don%26#039;t want to do payday loans or pawn shop advances but sometimes that is the only chance you have. You could talk to an employer or family/friends. You could put up something for collateral or sell something you may no longer use. Maybe asking for a raise or getting rid of unneccessary expenses from your budget may do the trick. Again, it%26#039;s a matter of how much you need and what you need it for and your ability to repay. Sometimes people who want loans cannot afford to repay them and that makes the credit even worse.

Where can i go to get a loan i have a bad credit rating help me please?

how much do you need? when can you repay?

Where can i go to get a loan i have a bad credit rating help me please?

This site wil give you most useful information according to your request visit http://www.freewebs.com/***********

Where can i go to get a loan i have a bad credit rating help me please?

You could try this website for information on loans and various companies that offer loans to people with bad credit.

http://loan.divinfo.com/

Good luck!

Where can i go to get a loan i have a bad credit rating help me please?

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-cons...

if it helps kindly remember me in your voting!.. cheers!

Where can i get a loan for around 1000 quickly with poor credit rating?

in the u.k

Where can i get a loan for around 鎷?000 quickly with poor credit rating?

go sell a part of your many organs

Where can i get a loan for around 鎷?000 quickly with poor credit rating?

Loanshark, where are u in uk?

Where can i get a loan for around 鎷?000 quickly with poor credit rating?

citifinancial handle poor credit ratings but charge big interest

Where can i get a loan for around 鎷?000 quickly with poor credit rating?

title loan or chek express.

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

I live the UK by the way so this will probably have different rules elsewhere.

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

Bankruptcy is a good tool to teach you how to manage credit properly (since you have no choice).

The best way to re-establish credit is through smaller credit card transactions first (gasoline cards, store cards, etc.). Some of the major credit card companies may send you applications, too.

These cards, however, usually charge a high interest rate. Never the less, you need to do something to establish a buying/paying pattern that will improve your credit. The high interest rate does not matter much if you pay off the balance each month, or just carry a small amount (like $50) from one month to the next. Again, it%26#039;s about showing discipline to the credit card issuer. Eventually, they will increase your credit amount (you may have to ask for it after a year). Spend a little more, but be sure to continue to pay it off.

When you get those first cards, use them as much as possible- even if you would use cash- then pay them off each month. This is how you re-establish good credit.

Good luck!

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

In the US I know that this stays on your record for about ten years. But even then, the greedy credit card companies start mailing you offers after a year or so, albeit at a higher interest rate.

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

http://forums.moneysavingexpert.com/show... it will be on this site this is good for creit info

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

my mom was in bankruptcy and she has gotten store credit cards with max%26#039;s of maybe $500 a month and just pay that off and it will built your score up

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

I%26#039;m bankrupt also. Just got my bankruptcy discharged here in the US.

The only thing you can do, is to pay ALL your bills on time! Everything. Including utilities.

Don%26#039;t go out and purchase things you cannot afford. Like a fancy car. Get one you can afford.

Don%26#039;t get all the credit cards they send you. If they do that there. You will only get into trouble. Maybe keep just one for something small. Like get gas on it once a month. Then pay it off every month. That should raise a credit score. But don%26#039;t be tempted to get more than one.

You just really have to watch how you live. You can%26#039;t live above and beyond your means.

I hate it when people think I don%26#039;t know how to handle my money. I really can. It%26#039;s just that medical is so high! That was pretty much 99 % of my bankruptcy. I know how to handle my money. I just don%26#039;t have enough coming in to do it. And I have 4 children. (Well, three at home now. My oldest just graduated Marine boot camp and doesn%26#039;t live with us now.) And if they are sick or injured, I%26#039;m taking them to the doctor or hospital! No matter what that does to my credit.

Anyways, you just really have to remember to pay your utilities on time, car payment and only have the bare necessities of which you can afford.

I am a bankrupt. Is there any information anywhere which will help me get my credit rating back up?

There are ways to get it back. You just need to do the right steps.

try :

http://www.nextcreditera.com/1.php

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

well, no one loans that kind of money in an unsecured personal loan to people with bad credit = get a second job, cut out unnecessary expenses, get a roommate

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

Well my name is Christopher, i once needed a personal loan to set up a business i got a loan from someone in china, his name is Mr Johnson, i am sure he can provided you with a loan if you need an unsecured loan, but if you don%26#039;t need an unsecured loan i think you should go to any bank near your area, i am here in Australia and now i have good credit score so the last time i collected a loan it was a secured loan from a bank, so if you have a credit score that is above 850 just get a secured loan, here is his contact link if you need an unsecured loan (ben_aggie123@yahoo.com)

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

Hi

I recently needed a loan as I was in a right mess! And I mean a mess! I thought I was never gonna get out of it until I read some articles on unsecured loans to help pay off my existing debt and relieve my anguish.

I saw a posting at Craig list that was tagged 閳ユǚ鈧獓o you need my help???閳ユ瑢鈧?br> I replied to the posting and it turns out that the person had once being in a mess

Just like I was then.

We chatted and became friends after which he told me his experience about the internet and scammers.

He said he has been scammed many times and totally he lost almost twenty thousand dollars {$20,000}.After which he was referred by a friend to this private lender that offered him the loan amount.

He then asked me to go contact them, I was like maybe this is just another kind of scam but I decided to give it a try. It was all just like magic how I got my loan.

I never got scammed, I have never being scammed and I don閳ユ獩 have any experience of it and I never want to.

I just felt that for the fact that a stranger helped me out I should do the same.

If you need a loan and would need their email address, here it is

williams_loans084@yahoo.com

Helen

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

Attention:

We the management of Mr Peter White. A private Loan lender and a corporate financier for real estate and any kinds of

business financing.We offer Loans to individuals,Firms and other cooperate bodies who are in need of financial help or

assistant at a reduced interest rate.Loan terms determinant,and Capital is based between the range of $1,000 and

above,Loan for developing business a competitive edge/business expansion.

We offer the following loans category:

* Auto Loans

* Payday Loan

* Student Loan

* Mortgage Loan

* Personal Loan

* Business Loan

* Bad credit Loan

* Home equity Loan

* Debt Consolidation Loan

contact us @ peterwhite39@yahoo.com

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

I SAW YOU AD THAT YOU WILL LIKETO GET A LOAN AND BECAUSE OF THE FACT THAT THERE ARE ALOT OF SCAM ONLINE,I WILL ADVICE YOU TO CONTACT THE PERSON I GOT LOAN FROM.HE IS BY NAME MR.CLARKS HOOKSMAN.I WAS ABLE TO GET A LOAN OF $35,000.00USD FROM HIM SO,I WILL ADVICE YOU TO CONTACT HIM ON clarks_funds@hotmail.com IF YOU INTEND TO GET A LOAN

THANKS

I need to get a personal loan in australia of 10 grand but have terrible credit rating.?

Mrs Jenet Remond ,I am a private loan lender.I give out loan to individual,Firms/Cooperate Bodies at a very low rate of 3% interest. From the Amount of $5,000.00 to 30,000,000.00

So if you are interested in getting a loan,contact us through this email address: smithloanfirm@hotmail.com

Here Are Some Information Required

First Name:...........

Surname:.................

Country:...................

State:.....................

Gender:..................

Loan Duration;........

Loan Amount;...............

Marital Status:............

Mouthly Income:...............

And A Working Id Card If Any:.......

Mobile/Telephone Numbe:..........

If someone from my address applies for a scottish trust deed does this affect my credit rating or on

Your credit rating will not be linked to someone who shares your address UNLESS you have a shared financial commitment, eg joint bank account or mortgage.

In a few months time you should check your credit file for 鎷? with Equifax, Experian, and Callcredit. If any information appears relating to someone with whom you are not financially linked, then you can write to the Credit Reference Agency and ask for it to be removed, and have a note added to your file stating that you are not financially associated with this person.

If someone from my address applies for a scottish trust deed does this affect my credit rating or only theirs.

It used to be that people who had lived in a property at the same time as you could affect your rating, but they%26#039;ve now done away with this and it%26#039;s only your personal situation that affects you.

And like Christine says above, only if you%26#039;ve have joint financial responsibilities would it affect you.