I have bad credit and i need a 3000 personal loan to pay off some bills and to raise my credit score?

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  1. Reply
    October 27, 2011 at 4:26 am

    Get a second job. Forego another loan. More debt just gets you further in debt.

  2. Reply
    Leslie T
    October 27, 2011 at 5:12 am

    In addition to the job, take a hard look at selling some of your things on eBay or Amazon.

  3. Reply
    October 27, 2011 at 5:45 am

    I agree, another loan is just going to get you into more trouble.
    Get another job or a second job whatever you have to do, but don’t borrow money to pay off existing loans.

  4. Reply
    October 27, 2011 at 6:18 am

    There is a site below that I have listed. It is a free consumer help site to get you on your way to repairing your credit and reducing you debt.

  5. Reply
    October 27, 2011 at 7:17 am

    You have two choices.

    Get more income. Spend less money.

    Lets deal with the first.

    Get a second job. Work over time. Change your W2 so they withhold less money then use that money to pay off the bills. (Keep in mind you may then owe Uncle Sam at the end of the year.)

    Sell some of your junk. Most of us have some of the following items that we do not need and can sell for $ 10-50.
    Cell phone, IPOD, CD/DVD player. Computer. Stereo.
    Computer game systems. Guns. Jewelry.

    Now the second.

    Spending less money is easier than making more money.

    STOP using things that you do not really need. Cell phone? Cable TV? Internet access? Beauty parlor twice a month? Nail appointments twice a month? Premium gasoline? Eating out at TGI Fridays instead of cooking a can of soup at home? Maid service? Child care, forgetting your kid is now a year older and may not need it? Washing the car every week?

    Do you pay your own utilities? Use a ceiling fan instead of the AC. Turn down the furnace. Turn down the temperature on the hot water heater. Take showers instead of bathes. Use cold water when running the washer.

    What do you drink? Knock off the Starbucks and canned sodas. Drink water. It is better for your anyway. Give up the booze.

    What do you eat? If you eat out more than once a week in the evenings, you are wasting too much money. Take a sack lunch to work. If you are overweight, you can live off 1# of body fat per day. If you are 100# overweight, you are packing enough food for over 3 months. Try not eating 1-2 days a week.

    What do you do for fun? Knock off the cruising the strip. Give up movies at the theater. Do not gamble, you lose anyway. (That includes buying Lotto tickets. ) Walks are good, swimming is good. Golf is not as the greens fees are too high. (Does not matter where, they are too high.)

    Lastly, DESTROY the credit cards!. They make it too easy to spend money you do not have. If you do not have one, it is almost impossible to buy something over the internet or phone. The last thing you need with bad credit is to rack up more bills!

    Now go forth and sin no more.

  6. Reply
    October 27, 2011 at 8:13 am

    So are you asking the public for help? You are not going to get help. Everyone has bills!

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