Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 6
Registered: ‎12-09-2012
0

Any Info on netcredit.com?

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
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Any Info on netcredit.com?

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.

Member
Posts: 6
Registered: ‎12-09-2012
0

Re: Any Info on netcredit.com?

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
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Any Info on netcredit.com?

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.

Member
Posts: 6
Registered: ‎12-09-2012
0

Re: Any Info on netcredit.com?

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
Frequent Contributor
Posts: 403
Registered: ‎03-01-2012
0

Re: Any Info on netcredit.com?


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

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

 

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

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 689 (08/15)
TU FICO: 650 (08/15)
EX FICO: 681 (08/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650
Highlighted
Member
Posts: 6
Registered: ‎12-09-2012
0

Re: Any Info on netcredit.com?

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.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.