Bankruptcy

[Rwolf]

Does anyone know anything about this company, are they legit and do they report to the big 3. I have been discharged for 3 months experience 621. I needed some extra money to get me through school and holidays so I borrowed money from cashnetusa not knowing what they were about, I do know and I'm looking to borrow around 1200 to pay them off and make installments to a better company

[llecs]

It's just another payday lender and as a short-term loan, you'll still fork out over $1000 in interest on the $1200 borrowed. Stay away and buyer beware.

Installment loans aren't all that helpful per FICO scoring. You're better off putting a few hundered into a secured CC somewhere and you'll build credit much, much faster and save over a thousand in the process.

[Rwolf]

Okay well does anyone have any suggestions. I'd like to borrow enough money to pay this off through a legit lender. Is there any bank who would approve me an unsecured personal loan for 1200 for 12 months with fixed payments

[llecs]

Do you know your FICO scores? Oddly enough, or at least it seems to me anyway, lenders don't like to loan money when you need it, but offer it when you don't need it. Definitely try your local CU; they tend to be a bit more flexible and generous. In the meantime I'd aggressively pay it down.

[Rwolf]

All I know is my equifax is a 621, I have only been discharged for 3 months. I didn't know ow if there were banks more friendly to people like my self. My credit union has never helped me at all. I have been a member for 10 years and even when my score was good they never helped me

[grassfeeder]

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Rwolf wrote:
All I know is my equifax is a 621, I have only been discharged for 3 months. I didn't know ow if there were banks more friendly to people like my self. My credit union has never helped me at all. I have been a member for 10 years and even when my score was good they never helped me

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find a new credit union.......

from the sounds of it......you're repeating the very mistakes that landed you in BK.

[Rwolf]

No, most of my debt came from the ex misses. I have never done the pay day loan thing and honestly didn't know cashnetusa was one until after I received there approval. Now I'm looking for a way out.