SpringLeaf Financial

[xXIDaShizIXx]

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@sailor_mercury wrote:

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@xXIDaShizIXx wrote:

The university suggested the bank with a cosign from my family otherwise they did not know. The reason I ask about springleaf is because it seems to be our only option at this point when no one else will consider us.

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Did you talk with a Financial Aid officer at the University?  I can't speak for all schools but I once received a "hardship" loan from the University Foundation.  It was $2,500 to cover some costs that would not be covered by my Federal Loans.  The interest rate was 9 or 10%.  I had my choice of paying the accrued interest while in school or adding it to the principle and repayment started 6 months after graduation.  The only requirement was I had to have my FASFA current and I could not be in default with any student loan.  I also had to prove my need for the loan, so I don't know that you can prove a cushion but you can certainly prove your relocation expenses.

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Yeah, unfortunately they said they were unable to offer it with no real explanation. Believe me I have exhausted all other options, before even trying private loans and credit cards.

[xXIDaShizIXx]

And the Chevron card was denied I am really trying anything so we can move, but it looks like I am exhausting our options.

[barbaralee]

Credit One is extremely lenient. 

[xXIDaShizIXx]

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@barbaralee wrote:

Credit One is extremely lenient. 

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I didn't get any prequal offers from them. Should I even try?

[barbaralee]

Credit One is as lenient as they get. If you can't get approved with them i would say you have something more going on your credit report than just a thin file.

[xXIDaShizIXx]

I can try, I legitimately don't have anything else going on other than on time student loan payments.

[xXIDaShizIXx]

Oh and the prequal denial from creditone said due to an insufficient credit history, so I really seriously think that is what is screwing me.

[sailor_mercury]

Do you have any way into Navy Federal Credit Union?  If you have a family member that is a member they can sign you up with your own membership (it won't link or affect their membership at all).

NFCU approved my brother who is 39yo and had a totally empty credit file for an unsecured card this week.  I would think student loans would be better than a totally empty file.

I tried to help him setup credit monitoring at both myfico and Idenity Guard (through Costco) and we couldn't set either account up because he didn't have a credit file.

[Creditaddict]

So confused:
1. Who is your secured card with? Limit and balance?
2. What is your income you are putting on apps?

[xXIDaShizIXx]

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@sailor_mercury wrote:

Do you have any way into Navy Federal Credit Union?  If you have a family member that is a member they can sign you up with your own membership (it won't link or affect their membership at all).

NFCU approved my brother who is 39yo and had a totally empty credit file for an unsecured card this week.  I would think student loans would be better than a totally empty file.

I tried to help him setup credit monitoring at both myfico and Idenity Guard (through Costco) and we couldn't set either account up because he didn't have a credit file.

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Unfortunately I don't. Like I said we are estranged from my family.