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Mr5h0w0utkid

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how can i get a loan with poor credit

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I had a 535 score with a car repo.  I thought I would never get the score higher.  I went to credit classes at a local place, budgeted a lot, and got advice on my credit situation.  I paid off small debts that I owed and sent letters to the company asking to remove the paid debt off my credit.  Which it always work!  Just a letter of goodwill to remove the debt that is now paid.  I watched my credit like a hawk.  I also read and was told that big debt that is about to come off anyways to let it just come off and save your money.  I still have the repo on my credit report, but now I have a 690 score.  I went to a lawyer and they told me to not mess with the repo at all.  Anytime you pay a payment or what not is "activate" the account, starting the 7 year owed debt again.  I opened a secured credit card with capital one and that really boosted my credit.  Stay under 30% and pay on time always.  I only put a very small amount on the card, but if you keep a good track record, Capital one puts more credit limits on the card.  I am now at 1,000 credit line.  I also am an authorized user of my husband capital one card (which I never use) but he uses and always pays on time.  Good luck!

Reply by
ajones6805

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18 People Helped

Sorry - I don't know if that answers you credit.  But I did get a car loan with 535 but with high interst.  I paid on time and my credit went up a ton.  I was willing to pay  high interst to boost my credit

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Auto loan?

If auto loan, most dealers can find a way....with high interest though. What is your score?

If personal loan- I have never tried so Im not knowledgable about that but CK does suggest some companies for you on your "loans" tab at the top of your overview screen.

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WONDERING

was wondering how can i get a loan with bad credit. i would like to get dental work done

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