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Posted in Paying Your Bills
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Question By
tflex2

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i don't know what to do in my situation
i was trying to get a personal loans so i can start over fresh with just one monthly payment. i needed the money to cover my cc debts, and i have to pay for my school. but i've been denied everywhere because apparently i have 8 hard inquiries (i was desperate so i tried everything). current score fico 720, exp 730
i feel like crying and just kind of end my life because i don't know if i'll ever be able to get out of this

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That's better, now I know what you are asking, lol. If you have FICO scores of 720/730 (remember this site does not give fico scores) then you should have no problem finding a lender that will approve your loan. It is possible that you are applying with the wrong lenders. Actually there are lenders out there for about any situation, but sometimes you want to avoid some of them.

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If you are having hardship paying your credit card bills, contact each credit card issuer and explain to them your situation and most will be willing to work with you to get you back on track. Try contacting your creditors and ask them how they can help. Spend some time research loan companies ( I mean a lot of time) and you will likely find one that will approve you. Thoroughly research a loan company before applying to see if you have a good chance to be approved. You can often find information like that by the reviews online for the lender.

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Make sure you have adequate income to be approved for the loan that you are applying for, if you have to get a part-time job or try to get some extra hours where you work now. Just buckle down and make some changes to your spending habits, it will work out given some time. You can get out of debt, and all you have to do is make some changes to your life and work hard. Please don't give up.

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