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Regular Contributor
Posts: 188
Registered: ‎02-11-2013
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Want to pay stuff off

Is there any body that will approve me for a loan - it can't be TU because I have a monster changeoff on TU. On exp I have one collection, CS 650, on eq I have no collections, one small chargeoff score 660. I have some late student loans payments from over 3 years ago that I'm trying to goodwill:
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Frequent Contributor
Posts: 329
Registered: ‎02-24-2017
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Re: Want to pay stuff off

Are you a member of any CUs?  PenFed gave me a personal loan when my scores were about 650, had many collectins (all put one paid), high Uti as well as a CO...

Regular Contributor
Posts: 188
Registered: ‎02-11-2013
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Re: Want to pay stuff off

No, I've never done a CU.
BOA Cash Rewards - $500 Capital One secured: $500 Capital One Platinum - $500 Credit One: $400 J Crew: $630 Fingerhut: $1000 Overstock: 2000 Boscov's - $900 Saks Fifth Avenue - $1000 Brylane Home $1550 Ulta - $1000
Regular Contributor
Posts: 220
Registered: ‎10-05-2010
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Re: Want to pay stuff off

You may want to start with a local credit union perhaps. I was able to get a loan through my local credit union without a hassle and my scores were not great, around 620ish a few years ago. 


Starting Score:EQ 609, EX 597, TU 614 (1/19/17)
Current Score: EQ 682, EX 672, TU 673 (10/19/17)
Goal Score: 700+ across all 3

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Regular Contributor
Posts: 188
Registered: ‎02-11-2013
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Re: Want to pay stuff off

I'll look into it - thanks!

BOA Cash Rewards - $500 Capital One secured: $500 Capital One Platinum - $500 Credit One: $400 J Crew: $630 Fingerhut: $1000 Overstock: 2000 Boscov's - $900 Saks Fifth Avenue - $1000 Brylane Home $1550 Ulta - $1000
Senior Contributor
Posts: 4,281
Registered: ‎11-11-2015
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Re: Want to pay stuff off


haleyjen wrote:
Is there any body that will approve me for a loan - it can't be TU because I have a monster changeoff on TU. On exp I have one collection, CS 650, on eq I have no collections, one small chargeoff score 660. I have some late student loans payments from over 3 years ago that I'm trying to goodwill:

There is no such thing as a small chargeoff for credit scoring purposes. A chargeoff is  chargeoff, whether it's $200 or $200,000.

AMEX BCP $9000- DCU Platinum $10000- PenFed Power $11000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Discover IT Miles $20000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 10/21/17** EX- 760(13) TU- 759(12) EQ- 731(14) UTI 5%- Clean Files

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