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Archive for December, 2009

Please I need the name of a reputable online Bank Lender that will loan me money(bad credit)?

Robert V asked:


I need a small loan,under a grand.But I have poor credit. Could I apply online,somewhere? Has anyone else applied for a small loan online?

How easy would it be to get a small loan even with possible bad credit?

Anonymous asked:


I bank with barclays and every bit of money either goes to bills and am left with hardly anything for food.

Is it possible to get a loan of £200-£500 from my bank because so much is going to overdraft charges and unless I donate a kidney or something I don’t see how I’m going to break free of this debt.

I have a high debt to income ratio. Are there any mortgage lenders that I could refinance with?

I currently have a $258k mortgage at 6.5%. My place is worth approximately $350k, so I have about $92k in equity. My debt to income ratio is around 63%. With rates around 5%, I think it would be worthwhile to refinance; however, I was told that my debt to income ratio is too high. My credit score is around 760 and I have never missed any mortgage or bill payments. My debt is largely due to student loans, car payments, credit cards, and depreciation on a rental property that I have. I am actively paying down my debts, but am disappointed that I have not found a lender to refinance with despite good credit, and no missed payments. Are there any lenders that anyone knows of that might work with someone with high debt to income, but good credit? If I get the opportunity to refinance, it will allow me to pay down my debts that much quicker. Thanks for any advice.

By: imst22

About the Author:



Will my job offer be rescinded if I have bad credit? How bad is bad?

sassystatgrl asked:


I was recently offered a job. I accepted, and gave notice to my current employer. I knew that the offer was contingent on a background check and drug screening, but I wasn’t nervous about either.

However, today I learned that a credit check is also involved. I recently paid off a balance on my corporate card that was over 90 days late. It was my error and I thought that those expenses had already been submitted. A similar error a couple of years ago caused my card to be canceled. Also a few years ago, I was in a bad habit of paying my bills late because I was disorganized. However, I’ve been paying all of my bills on time (except above) for the last two years. I’ve never defaulted on any loan, and have made all of my mortgage and student loan payments on time. Besides my mortgage and student loan, I pay off any credit card debt every month or two.

Would these mistakes cause me to lose my job offer? I would be in a very, very bad place since I have already given notice to my current employer, and you can’t take that back.