bluberybandit

2 Contributions 66 People Helped

Member Since: April 2012

Most Helpful Contribution

LendingClub Personal Loans

Jul 25, 2019
Fast, easy, up-front pricing!!
Helpful to 65 out of 71 people

I admit that I was originally nervous and reserved about taking advantage of this personal loan.  However, I'm really happy I did.  I had roughly $25K in credit card debt and was able to get a loan with a locked-in interest rate.  Granted, it was high, but it was less than the rates I was paying on the cards.  Another great aspect is that I was able to pick how long I wanted my loan to exist.  I picked the 36 mo. loan and could have chosen a 4 or 5 year loan period.  I got the $ quickly, my cards went to $0, and the remaining $ went into my checking.  My credit score went up 87 points, and that doesn't include all the accounts that were paid off!  I couldn't be happier with LendingClub and appreciate their assistance!     

Activity (2 Total Contributions)

LendingClub Personal Loans

Jul 25, 2019
Fast, easy, up-front pricing!!
Helpful to 65 out of 71 people

I admit that I was originally nervous and reserved about taking advantage of this personal loan.  However, I'm really happy I did.  I had roughly $25K in credit card debt and was able to get a loan with a locked-in interest rate.  Granted, it was high, but it was less than the rates I was paying on the cards.  Another great aspect is that I was able to pick how long I wanted my loan to exist.  I picked the 36 mo. loan and could have chosen a 4 or 5 year loan period.  I got the $ quickly, my cards went to $0, and the remaining $ went into my checking.  My credit score went up 87 points, and that doesn't include all the accounts that were paid off!  I couldn't be happier with LendingClub and appreciate their assistance!     

Trends by Age

Jul 25, 2019
Helpful to 1 out of 2 people

I was in your position 10 years ago.  The only credit card I was approved for was Chevron/Texaco.  Generally, they are the easier to get cards and are a great way to re-establish your credit.  Your secured card will help as well.  Even if you don't need a gas card, I would suggest trying to get one.  You may want to wait for the hard inquiries to drop-off before trying to get a gas card.  Good luck!