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Not a direct lender just a note.

I would recommend allocating 3% of your net monthly income for saving to your kids. If you bring it down to 1% in difficult times, it's not the whole world. The most important thing for kids is their parents anyway, not money in the bank 15 years out. Put everything in a global index fund; over...

You mean https://www.accrediteddebtrelief.com/ ?

@frenzybytes , can you explain "Debit relief order D.R.O." please?

Yes, over time it will.

56k? What is your Income?

Prioritize High-Interest Debt: Focus all extra cash on CC2 (smaller balance, same 23% rate) for quick wins, then CC1. Cut nonessentials (Netflix/Prime) to free $40+/month. Track food costs (aim ≤$600). Sell car only if profit covers loan + replacement without 401k use. Use part-time income...

Edited your post for better structure @sonicyeti

The footer always have the most interesting text: Car title loans often come with interest rates of 36% or higher, plus the current federal funds rate. Approval depends on whether the applicant meets the lender’s credit requirements. Some lenders may also require collateral, such as the...

GJ!

If you're having a hard time making your car payment, one option is to ask your lender for a deferment (=delay / postpone). This means your payment could be delayed and added to the end of your loan term, so you wouldn’t need to pay that month (or possibly a few months). Change of due date is...

Agree, I would go for the $8,000 credit line at 20% also. In this case, it makes no sense to pay off the smaller amount as the line of credit interest is so high.

@ANT what do you think?

Seems legit at least.

You send it by mail...

You mean https://www.aafmaa.com/?

To set the record straight, here's a Payday loan FAQ. Several answers are common sense, but still. What Are the Costs Associated with Payday Loans? Payday loans often come with really high fees and interest rates. Typically, lenders charge between $10 to $30 for every $100 borrowed. For...

Tribal loan:

Footer disclaimer as a an image... hmm. Anyway, it's a tribal loan. So the interest rates will be extremely high. Here's the disclaimer, zoom in and read:

The footer always has important information.

Lead generator... @Tape those reviews are probably fake.

Yea lead generator. From their footer:

Lifeloans is a connector, and not a scam.

Tribal loan. ref BBB

Tribal lender:

Those reviews could be fake also. Too many positive reviews can be a red flag, someone always complaines about something.

From the website's footer:

From their footer:

This Loanup probably not active anymore, and footer says "The operator of this website is NOT a lender or a broker, does not make offers for loans and does not charge you for any service or products. This site allows you to submit your information to our network of lenders to determine if they...

A new start. Our forum platform, XF, has undergone numerous updates, including an upgrade to the latest version. New design. Now it's time to get the discussions going. I hope and believe that there is space for an alternative like LF to the big boards, where moderation and the overall aim of...

Here’s what I recommend: You could start with a secured credit card from Capital One. This is a great first step to build your credit history. Once you have the card, use it normally for everyday purchases but make sure to pay off the entire statement balance every month. This will help you...

Don't think you can move financing like that, but you could ask what lender they work with. Apply directly at that lender instead, or you could call them and ask if that credit approval can be used without a new application.

Sounds like a good start. Keep one card empty, the other one as low as possible but keep some balance so it looks active. Some more ideas here: https://www.usloanoptions.com/articles/4-things-you-can-do-to-improve-your-credit-score Other then that just work on those derogatories. If possible...

Maybe you can find a co-signer for such a small loan? That would really help with the application I think. After that I would recommend you to look up the possibility to improve your credit score, it's possible to do even without lowering your total debt.

Where have you tried to apply? CashUSA? Loan Pioneer? May not be much of help now, but checking your credit score and start to improve it is one way to get more offers over time. Especially for such a large sum as $10,000

Bankruptcy... https://www.inforuptcy.com/filings/cacbke_1775937-2-17-bk-10900-blue-global-llc

The best reason to move credit card debts to a debt consolidation loan is that it over time improves your credit score. Maxed out credit cards has a huge impact on your credit score. Y

Sorry for the delay. There is a contact us form at the bottom of the page: https://www.loanforum.net/misc/contact

I would try Quickloanplace. I would also check into improving your credit score: https://www.usloanoptions.com/articles/4-things-you-can-do-to-improve-your-credit-score Read "Consolidate Your Balances" and "Diversify Your Credit Cards" especially. With your salary you should have well over...

Would try to split that sum in two and try to secure two loans. Much easier. Life Loans is good. Quickloanplace also good, different lenders.

We are loanforum.net ("we", "our", "us"). We’re committed to protecting and respecting your privacy. If you have questions about your personal information please contact us. What information we hold about you The type of data that we collect and process includes: Your name or username. Your...

When you open a new credit card it's normal for the score to drop. It will go back up in a while.

And those reasons are?

Your credit score is pretty good so you should be able to get a good offer. 7.8% is not a rip off that's for sure. If it's high compared to other lenders... That's a good questions. There are so many variables, the only thing you can do is to apply and check. Most lenders do a soft pull, so it...

Hi Barry. Thanks for checking in. Just be aware, you're welcome to help members but please take it a bit easy with self promotion and adverts. Posts that only promotes your business will be deleted. Read more here: https://www.loanforum.net/threads/forum-rules.2/

Here's some new lenders, not for this month but anyway: https://www.tallgrassfinance.com/ https://www.myflexcash.com/ I would also try some different matching services. To really cover all lenders. Finding different matching services can be hard as the same one can be found on many different...

This one I guess: https://www.mountainsummitfinancial.com/

Thanks for sharing your experience Dee.

Seems so https://www.greentrustcash.com/refer-a-friend Anyone tried borrowing from them before? Seems to been around since 2011 or so.

Here's some new payday loan lenders: https://www.bigpictureloans.com/ http://www.bisongreen.com/ https://www.dakotalending.com (disclaimer, I have no idea how good or bad they are!)