I went to my bank, Kinecta (a credit union) to inquire for a loan. One of the reps informally told me to try Well Fargo Financial. I need a personal loan for debt consolidation, approximately $4000. I hate to do it, but it is really my last option. I have bad credit, which I was repairing, but unexpected things came up once again.

What are the qualification requirements? Any info appreciated.

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…it seems like going through a debt settlement, or consolidation, or negotiation is something I can do on my own, i’m just not sure if this will raise my credit score if all my accounts are 2 years past due and I have no current open accounts. I can’t even get approved for an unsecured credit card to boost my credit score. Please Help!

Please advise, how is it work? What’s a good non profit company to go with? Is it worthed?

At this point I don’t have a good credit and I don’t care to have a bad credit. I just want all of my debt to go away.

Thank you so much for your time.

I am very desperate to come on here and talk about my financial situation. I need approx. $20,000 to consolidate credit card debt… I do not have enough equity in my home (just bought it last year), I have tried personal loans through Capital One and Chase and have been denied. With Capitol, I even had my father co-sign (he’s got excellent credit) and it didn’t work. I have NO WHERE ELSE TO TURN. I need help, if anyone knows a forgiving lender who will look at my situation, or any other way for me to reach my goal, PLEASE let me know. Please do not refer me to a credit counseling program, for I don’t use my cards anymore, I just have been paying on them for 3 years and trying to speed up things. I know I could just keep paying the most I have on one card and work them down, but I am looking for debt consolidation OPTIONS. Like a bank or organization that would help. Thank you so much for your time in advance!

I currently owe about $25,000 on 10 cards, I was paying them off with minimum paymetns until i missed a few payments (late fees, interest % to 29%) and now its getting worse and worse. I feel i can no longer keep up with this.

A friend of mine recommended me to do Incharge.org for debt consolidation, But I’m not sure because isnt it almost the same as bankruptcy since it’ll ruin my credit for the next 7 years and I still have to pay most of it back?

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I co-signed a $5000 personal loan for debt consolidation for my sister who I don’t talk to much. If she misses payments enough to affect my credit score can I sue her? We had a verbal contract stating that if that happened I would take her to court. Just need some opinions.

I make about 73000/yr. My FICO is probably 680 or better. I owe about 20000 in unsecured credit card debt, but 7000 of it is at 0%. I need a bill consolidation loan of 15000-20000. I got turned down by a major bank, but the loan officer said she forgot to tell them it’s for consolidation and that if I agree to let them pay the credit cards directly I’d probably be approved? I thought that’s weird since they also won’t make me close the accounts.

Any B rated banks that would give me a loan? I have had no housing payment (provable) for the past 5 years because I live with my parents. I have two payments per month aside from the credit cards. Car for 400/mo and Education loan of 500/mo. Again, I gross about 6000/mo.

I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt consolidation would be best for me and to help me improve my credit score? Does this really work?

No home to use for equity, denied for personal loans and additional credit cards everywhere, cannot work at this time due to illness, debt relief companies do not deal with payday loans, help?

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