This Topic is Archived
Numb2014 (original poster member #43919) posted at 8:37 PM on Monday, July 28th, 2014
Since my xh and I have separated, I have been trying to figure out how to lower my monthly bills. I have a 2 loans and 2 cc that are maxed out due to me using them to keep our heads above water when trying to pay for his expenses as well. What I am paying monthly is RIDICULOUS.
I don't have the best credit. Its not bad, most websites say my credit is "fair". I have tried going through my bank for a personal loan (I have no collateral) and my score is not quite high enough. Does anyone have any advice on companies that will provide a loan to someone like me? Not the best credit, but I just need something to consolidate this debt and my monthly pymts 
BW-me (31)
WXH-him (30)
DD-4, DS-14
High school sweethearts. 14 years gone. He doesn't even care. It meant nothing to him.
False R-3/2011 to 6/2014
Found evidence going back 2 years. He's moving in with OW.
Lucky2HaveMe ( member #13333) posted at 9:06 PM on Monday, July 28th, 2014
Maybe find a legitimate credit counselor that could help you consolidate all the loans/cc's into one? Just be careful as there are lots of scammy people out there claiming to be helpful but not.
Love isn't what you say, it's what you do.
Whalers11 ( member #27544) posted at 9:46 PM on Monday, July 28th, 2014
Try a credit union. Sometimes they have more wiggle room than big banks.
norabird ( member #42092) posted at 10:26 PM on Monday, July 28th, 2014
I agree, check with a credit union. Consolidation would be a great solution!
Jeaniegirl ( member #6370) posted at 11:06 PM on Monday, July 28th, 2014
Especially a non-profit credit union
[This message edited by Jeaniegirl at 5:07 PM, July 28th (Monday)]
"Because I deserve better"
Dark Inertia ( member #30727) posted at 5:16 AM on Tuesday, July 29th, 2014
I would look into consolidation as well. How much interest are you looking at with each loan?
Numb2014 (original poster member #43919) posted at 5:14 PM on Tuesday, July 29th, 2014
Each loan and cc has a pretty high interest rate. like 24% (recovering from a bankruptcy that was discharged 3 years ago). I am having a hard time finding anyone LEGIT who will loan me the money to consolidate, and I do not have enough in my car to refinance (I owe more than its worth already). I will check out a credit union here by my job. I will open an account with them if they are willing to loan me the money. Prayers and good thoughts please!!!!
BW-me (31)
WXH-him (30)
DD-4, DS-14
High school sweethearts. 14 years gone. He doesn't even care. It meant nothing to him.
False R-3/2011 to 6/2014
Found evidence going back 2 years. He's moving in with OW.
Dark Inertia ( member #30727) posted at 1:24 AM on Wednesday, July 30th, 2014
Have you looked into the peer to peer loans? The Lending Club is very popular right now. In some of my financial forums a few of the posters "loan" money, and my husband's favorite blogger has also loaned money through the lending club. Might be worth it to look into.
[This message edited by Dark Inertia at 7:25 PM, July 29th (Tuesday)]
This Topic is Archived
