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Want to pay stuff off

Regular Contributor

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:
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
Message 1 of 6
5 REPLIES
Frequent Contributor

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...

Message 2 of 6
Regular Contributor

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
Message 3 of 6
Frequent Contributor

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. 

Score: F8 EQ 609, EX 597, TU 614 (1/19/17) Current Score: F8 EQ 689, EX 677, TU 683 (1/29/18)

Goal Score: 700+ across all 3--Gardening until November 2018
USAA Amex- Amex PRG- Amex BCE- Amex Delta Gold- Macys- NYC CC- Marathon Gas- Victoria's Secret- USF Visa- Cap 1 QS- NFCU CR- Care Credit- Firestone

Total CL $80,900
Message 4 of 6
Regular Contributor

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
Message 5 of 6
Senior Contributor

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.

Citi DC $7900- AMEX BCP $9000- NFCU Platinum $10000 PenFed Power $11000- Chase FU $11700- DCU Platinum $15000- State Farm GN $15000- AMEX EDP $15000- NFCU CLOC $15000- Chase CSP $18900- Care Credit $20000- Discover Miles $21000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $28750 **As of 5/11/18** EX- 768(12) TU- 773(12) EQ- 748(15) UTI 16%- Clean Files- No AU Accounts.
Message 6 of 6