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Archive for category Personal Finance

Is there a legit lender that will not scam you out of a personal loan?

Jan 1

Posted by admin in Personal Finance | 10 Comments

peerezboyz asked:


I am looking for a legit personal loan with out getting scammed I have bad credit and I am looking to get a loan for 5,000 and I am just looking for a legit comapny or even a private lender that is in the USA!!!

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Tags: bad credit, Personal Loan, Private Lender

How do you find hard money lenders?

Dec 28

Posted by admin in Personal Finance | 2 Comments

Marcella D asked:


My situation is taking a turn for the worst. I have been unemployed for more than a year and just got a job a month ago. I was able to keep up until March but the mortgage is the biggest problem. How can I get help when my credit is marred now do to the unemployement.

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Tags: Find Money, Hard Money Lenders, Job, Mortgage, Taking A Turn, Unemployement

Can someone answer from experience please? How do they choose credit score between husband and wife?

Dec 27

Posted by admin in Personal Finance | 1 Comment

Expecting baby #1!!! asked:

I have seen SO many mixed answers on this site and I’d like to hear from either a mortgage lender, or someone who has recently been qualified for a loan. I have a credit score of 650 and my husband is 570. I know his is bad, and mine is fair, but I would like to know how they will decide? I make slightly more money and have seen answers that the primary breadwinner’s score is taken into account. I have also read that they average the 6 scores. Then I have heard that they take the lowest middle score. Which is true? We are trying to qualify for a RD Loan and most of our bad credit is due to student loans. We are paying our loans back and can easily continue to do so while affording mortgage payments as they are not much more than our current rent payments. Any help please? Thank you!

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Tags: bad credit, Breadwinner, Credit Score, Husband And Wife, Husband Wife, Money, Mortgage Lender, Mortgage Payments, Student Loans

Legitimate Private Lenders?

Dec 20

Posted by admin in Personal Finance | 2 Comments

faith asked:


I am at the end of my rope with trying to find co-signers or financial institutions that will give loans to people with bad credit. I have other postings here that explain my current situation. however, maybe I do not have a lot on there about how I got into the situation i am in. A few years ago i got very ill, lost my job and had no insurance. My options were to pay my medical bills and get better or pay my debts. We are currently behind because of my fiance’s health problems. Now that he is healthy again we are trying to get on the positive side with all of our expenses and we are struggling greatly.

It feels as though my only option is to seek out a private lender. so here I am. I have already had several people try to scam me on here so I know what to look for. If anyone has suggestions of where to fins a private lender that would be great. Oh and I do not qualify for prosper.

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Tags: Debts, Financial Institutions, Fins, Health Problems, Insurance, Job, Loans, People With Bad Credit, Postings, Private Lenders

I’m applying for a credit card and don’t have a job on paper. How should I go about answering the questions?

Sep 27

Posted by admin in Personal Finance | 1 Comment

Allie asked:


I’ve worked for 2 years at a place that I was off the books at. I just started a nanny position the last week in August and its off the books as well and will be for the next 4 years..but I need to establish credit. Hence my getting a credit card. I’m trying to apply for a card online and am not sure what I should put for the Job Questions. Plus I was planning on going to the bank tomorrow to get a card there but now I’m not sure if I should since I don’t have the answers since I technically don’t have a job. Right now in the answer spots I have “Position: STUDENT: OTHER”, “Employer: JEN”, “Worked There: 0 YEARS 1 MONTH”, “Alternate Phone: My home phone number”. Would that fly?

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Tags: Alternate Phone, Apply Online, Applying For A Credit Card, Books, Establish Credit, Fly, Home Phone Number, Job, Nanny Position

Will it be a problem to pay a portion of an earnest money deposit with a credit card?

Jun 25

Posted by admin in Personal Finance | 1 Comment

Ashley asked:


I combined some money with my savings with some money from my credit card to pay earnest money, will that be a problem? Problem enough to cause me not to get the loan when we are closing in a few days?

Kansieo.com

Tags: Credit Card, Earnest Money Deposit, Few Days, Money Card, Money Problem, Money Savings

i have a bad credit and my boyfriend has excellent credit, what are the chances of us getting a mortgage?

Jun 6

Posted by admin in Personal Finance | 2 Comments

sexyg asked:


i have bad credit history from around 2yrs ago, but my boyfriend has excellent credit history…. were planning on going for a mortgage in the summer, what are the chances of us being accepted? is there a mortgae that we can get for bad credit?

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Tags: Bad Credit History, Getting A Mortgage, Mortgae

if you have a credit problem with two peoples names can you isolate one person to take responsibility of it?

Apr 20

Posted by admin in Personal Finance | 1 Comment

Briannalm asked:


my hubby and his mom opened a bank account together,his mom alone used it and ran up over $900 worth of debt on it,and it is now on our credit because it was a joint account,is there a way she can take full responsibility of it,and issolate it on her credit alone so we can clear our name of this?if so how do we go about doing this?

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Tags: Hubby, Mom, Peoples Names, Two Peoples

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