How do I get a loan to pay off some bills on my credit report if I can not get a loan for the bills on my cred
87776
Can u refinance a home?  Home equity?  My b/f has the same problem.  How is your fico score? if it's high then get another cc.  The higher your income...the more credit they will lend to you ....hint hint....and then consolidate on that card.  when the credit companies see that you paid off all the debt they will give you another card...then you transfer the balance to taht one or another with a 3.9 or something like that til the loan is paid off.
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
38569
Usually you should try to make a payment schedule.  Tell them you'll pay so much to them every paycheck or once a month.  Tell them the dates you will make payments or call in your payment so they can see that you actually are attempting to pay this off otherwise they think you are just yanking them.  As far as your credit score, I would obtain a credit report from the credit companies.  I think you can get them online.  See if there is anything on your report that is wrong--I've had this happen before where I paid off something and still showed up on my report as owing them--and then attempt to get it cleared off your report.  Either contact the credit company or the company with the misinformation.  If your credit is low because you have alot of credit cards, try getting one card and transferring all balances onto one card instead of having like 5 or 6 cards.  Then close the other accounts.  Having alot of credit cards open even if they aren't being used looks bad.  Try working on paying off your debt, with the littlest one first.  Then reward yourself (don't go overboard) when you do pay one off.  It will take time, comittment, and focus to do this, but once you are out of debt, your credit score will get better.  And the most important thing to do when trying to pay down debt is to quit using credit cards.  Put those dang things in the freezer if you have to.  Or lock them up and give someone the key so you have to ask to use them.  Make it hard to access them.  Credit companies can be a pain in the butt, but try to work out a schedule with them and see if that works.  If they see you are trying, maybe they'll be more willing to work with you.
682264
YOU MAY BE ABLE TO FIND A PLACE HOWEVER IF YOU WILL MAKE YOURSELF A BUDGET AND STICK TO YOUR GUNS. IT IS ALWAYS BETTER TO PAY THE SMALLEST BILL FIRST THEN WHEN THAT ONE IS PAID OFF PUT THAT MONEY AND WHAT EVER YOU PAY ON THE NEXT BILL WHICH WILL PROBABLY BE LIKE DOUBLE YOUR PAYMENT THEN JUST KEEP ON GOING TILL YOU HAVE THEM ALL PAID OFF. IF YOU WOULD GET A LOAN YOU MIGHT JUST SPEND THAT MONEY ON SOMTHING ELSE AND NOT PAY THE BILLS YOU GOT THE LOAN FOR IN THE FIRST PLACE.
1100866
It is possible to get a debt consolidation loan with bad credit, but not all of your debts may be eligible. \n\nHowever, consolidating what you can could be a good start. Combine your credit cards, etc into one manageable debt. There are companies that will provide this, even if you have bad credit. This should free more of your income to tackle your other debts.\n\nAnd you must do this. Don't use debt consolidation simply as an excuse to rack up even more debt: if you do, you'll end up going bankrupt.\n\nForce yourself to budget your expenditure within your income. This must include whatever it takes to repay your other debts. Cut up all but one of your credit cards. Leave the one remaining card at home, to be used only in emergencies. Pay for everything by cash. When you pay cash it forces you to understand the real value of money!\n\nThis is hard, but if you stick to it, you'll not only repay your debts, you'll repair your credit as well. \n\nGood luck.
73354
Just paying a few dollers each month will put you in good standings credit wise. All you need to do is let them see you are making a little effort also if you need assistance you can go to your local human services and they could help you get some assistance. Good Luck cause I know how it feel I got overian cancer and had no insurance now I have thousands of dollers in bills. It seems like they never stop mailing you bills but like I said just show them a little effort.
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
1077636
You can go to a bank and open a savings acct and borrow a on a secured loan from the amount in your savings.  This will establish credit on your report each month and you make weekly or monthly payments on the loan.  You are using the money in your savings as collateral.  The more you have in will determine the amount of loan borrowed.  I have done this several times with no problem.
771889
Hate to be the bearer of bad news, but you're probably out of luck unless you can take out a home equity loan.  With a bad credit score, NO ONE is going to give you a loan to pay off your debts because they figure you'll just go out and get into debt again.  Debt consolidation programs like Consumer Credit Counseling Service are really the best way for you to go, given your situation.
310560
That's something you have to ask your credit card company.  When you make payment, try to pay at least $5 more than the minimum due.  It will help you a bit.
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
217504
Pay your bills on time.  Other than that, it's just a matter of time to let all the bad stuff fall off your credit report.  It sucks, I know.
31547
If you have bad credit, no one is going to be willing to give you an unsecured loan.  If they did, you would only be digging yourself deeper into debt.  \nMy suggestion is to order your credit reports and dispute anything that is old, payoff anything that has a high balance in respect to credit limit.  Use your tax retun money and create a strategy to pay off your balances.
622347
I should avoid a loan to pay off an outstanding bill as it will end up costing you more. Try and negotiate a payment plan with your initial creditor or see your bank for an approved loan.
1107958
Concentrate on the credit you will need to pay off.  Especially if you are trying to get a house.  It will be helpful if your credit score is at least 600 or higher.  Hope this help?\n\nLC
208534
I'm going to assume you have unpaid debts that went to collection.  Start by going to your creditors, and giving them a plan to have the money you owe them paid back.  Then stick to that plan like your life depends on it.  Once repaid, they'll clear your name, and report your debts paid to the credit bureau.  \n\nAll the while you do this, keep all payments up to date.  Now this is going to take some time, but the number one and two things lenders look for with people who had previously bad credit are your resolve to pay your uncollected bills, and your resolve to have learned from your mistakes, and keep all payments up-to-date.  Good luck!