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Regular Contributor
Posts: 139
Registered: ‎02-11-2013
0

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:
Capital One secured: $500 Capital One Platinum - $500 Credit One: $400 J Crew: $630 Fingerhut: $1000 Overstock: 2000 Boscov's - $750 Saks Fifth Avenue - $1000 Brylane Home $1150
Regular Contributor
Posts: 246
Registered: ‎02-24-2017
0

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: 139
Registered: ‎02-11-2013
0

Re: Want to pay stuff off

No, I've never done a CU.
Capital One secured: $500 Capital One Platinum - $500 Credit One: $400 J Crew: $630 Fingerhut: $1000 Overstock: 2000 Boscov's - $750 Saks Fifth Avenue - $1000 Brylane Home $1150
Regular Contributor
Posts: 132
Registered: ‎10-05-2010
0

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
Current Score: EQ 609, EX 597, TU 614
Goal Score: 700+

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Regular Contributor
Posts: 139
Registered: ‎02-11-2013
0

Re: Want to pay stuff off

I'll look into it - thanks!

Capital One secured: $500 Capital One Platinum - $500 Credit One: $400 J Crew: $630 Fingerhut: $1000 Overstock: 2000 Boscov's - $750 Saks Fifth Avenue - $1000 Brylane Home $1150
Senior Contributor
Posts: 3,555
Registered: ‎11-11-2015
0

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 BCE $9000- DCU Platinum $10000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- Cap1 Premier Dining $25000- NFCU Go Rewards $27100- Venture $27750 **As of 5/24/17** EX- 752(21) TU- 764(17) EQ- 744(12) UTI 3%- Clean Files-

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