Recent content by GuyMan99

Debt related (important) question: what would you say are the pros and cons of consolidating credit card debt, using a personal loan? On one hand, you might pay a much lower interest rate! Which is good. On the other hand, you can't stop using your credit cards, so you risk getting into an...

I don't know if they're worth the trouble or not, but if you read many bad reviews in regards to their services, then maybe apply for a loan elsewhere. Payday loans are going to be expensive, no matter where you apply for one, but at least take the time to find an OK lender.

You should probably look for CIBC Personal Loans reviews before applying, just to make sure. In any case, if you do decide to apply for a personal loan, read the contract carefully before signing anything!

You could also try to repair your credit for free. It'll take a lot of time though, that's why these credit repair companies can afford to ask for such high fees to help you out!

Great Plains Lending. Check them out, they're OK too. They're quick, efficient and you have the option to pay back your loan over a long period of time, no hidden costs.

You just can't put "payday" and "low fee" in the same sentence :D I'd say I'm kidding, but I'm really not! If you need fast cash, get ready to pay a 30% interest rate (for most lenders). If you have the possibility to borrow money from someone close to you though, go for it!

Frankly, I'd say Mobiloans have a good 'reputation', and Great Plains Lending. This is, however, based on other people's reviews! I don't have any direct experience with them.

I always decide whether or not to apply for a loan with a certain company after I read the reviews! So, yeah, looks like Mobiloans is here to stay, very few complaint have been filed against them.

I haven't applied myself, but they do offer all this information on their website. They accept bad credit, so don't worry about this aspect. They will also wire the money into your checking account, they say they actually require you to have one, otherwise they can't send you the money.

I personally find co-signing for a credit card one of the most risky things someone can do! But many people do it anyway! So, I was wondering, how many of would take such a risk and help someone out? Of course, it's obvious the question refers to helping out someone close to you, and not a...

I have a question about credit cards, in general. How does my credit utilization ratio affect my credit score? For instance, say I max out my credit card, but pay the bills on time. Will this help me out or will it look like I enjoy taking risks a bit too much?