You say you have “terrible” credit and owe over $15,000. How is that debt structured and how is it reporting to the credit bureaus. i.e. is it credit cards that are over-limit and are they showing late payments?

If you already haven’t get your 3 credit reports at. It’s free to do this once per year. Look at how your debts are being reported. Don’t apply for any credit until you know what’s in your credit files. If there is any inaccurate or unverifiable information then you can dispute this with the credit bureaus or hire a reputable law firm to do this for you.

Be aware that the FTC is cracking down on “Credit Repair” companies especially ones that make outrageous claims and ask you to pay in advance for their services.

A previous poster suggested. My review of their payment policies suggests that they may be violating the law, specifically the Credit Repair Organizations Acr (CROA)

If you want to “hire” someone to help you dispute any inaccurate or unverifiable information in your files I would check out Lexington Law.

Look at my sources and Good Luck

U have revenues of abt $60000 and credits of $15000. U can approach citybank for this.

I would try a community credit union in your area. Ask them if they do risked based lending. If they do, you might have a chance. Your interest rate will be higher, but at least you got the loan. And if you do get the loan, make sure that you pay it back every month on time. This will be the start of rebuilding your credit score.
If you can’t find a credit union or if they can’t help you, try one of those national finance companies like Citi Financial or a finance company in your area. But be prepared to pay a very high interest rate, any where above 18%.

If you have a checking account or a savings account, you should consult your bank about a signature loan. If they have a loan that accepts automatic payment through automatic, scheduled deposits, you should give it serious consideration. If your credit is truly terrible, you might have to use a secured line of credit, which is basically borrowing from yourself. While it’s not convenient, it can be used to build your credit rating.

if you have any equity (things you own) you could leverage that for a loan. If you pay it back your credit is improved, if you dont, you loose what you leveraged to get the loan. Start with borrowing small amounts of $$ and quickly paying it back, this will greatly improve your credit and soon your credit will improve. Make sure you pay your bills before they become 30 days late.

Most credit repair companies are bogus– this is one that is great– they do charge you, but they do it in monthly payments– I work for a mortgage company and have had lots of customers have GREAT success with this company– I would highly reccomend it

plenty of places, but your interest rate will be very high.

Big Vinny gives them. But if you don’t pay him back, he’ll break your legs. He hangs out at the bar down the road.

provident or green wood