| Subject | Date Asked | Expert |
|
| Need Bill Consolidation Loan | 6/13/2007 | Joe Montgomery |
Q: I am in desperate need of a bill consolidation loan to pay off about $30k worth of credit card debt. ...
A: You will most likely have to wait an additional 4 or 5 months to use the equity in your home as most ...
|
| trying to get a loan | 6/12/2007 | Joe Montgomery |
Q: i never had credit before and im trying to establish some so i can get a 3000 loan. what can i do
A: You need to realize that without a credit history, you're going to have to start small, and wait a ...
|
| Personal Loan | 6/12/2007 | Joe Montgomery |
Q: I need a personal loan but my credit is not that great... i have only been reported to the bureau ...
A: Dwayne, Unfortunately my answer is "not good". Lenders like credit scores to be 600 or more. If ...
|
| payday loans | 6/12/2007 | Joe Montgomery |
Q: I have several payday loans and I am on a fixed income, how can I get out with these payday loans?
A: The payday loan companies are set up to keep you dependant. Once you borrow the money, you have to ...
|
| personal loan? | 6/12/2007 | Joe Montgomery |
Q: I am looking to pay off credit card debt which I acquired during my college years. I have a total ...
A: Your credit score is right at the lower end for qualifying purposes, so getting a $5,000 personal ...
|
| personal loan | 6/11/2007 | Joe Montgomery |
Q: I am interested in getting a personal loan for about $2,000. I want to pay off some debt, and only ...
A: The goal you listed above is a common one, and unfortunately the problem you listed is just as ...
|
| Personal loan to pay off credit card debt | 6/8/2007 | Joe Montgomery |
Q: I am a 29 year old female with a credit score of 651. I have been with my current employer 3 1/2 ...
A: It is possible that a bank will take that bond as collateral for a loan. I have seen many banks ...
|
| Personal Loan | 6/7/2007 | Joe Montgomery |
Q: My husband and I have to come up with $5,000 for attorney fees before the end of the summer . We ...
A: If your husband can qualify for a car loan, he can most likely qualify for a personal loan. A ...
|
| personal loan | 6/7/2007 | Joe Montgomery |
Q: what are the 10 or so step in getting a better change in getting a personal loan?
A: There are no set steps in a process to get a personal loan. There are certian criteria, or items ...
|
| Chances of Getting a Personal Loan | 6/6/2007 | Joe Montgomery |
Q: I'm trying to get a personal loan through Citibank for $3600 in order to payoff debt on two credit ...
A: I would think your local bank or credit union would be a better option for this loan, as they will ...
|
| personal loan after BK | 6/6/2007 | Joe Montgomery |
Q: Who are some good lenders to apply for a personal loan? I am 3 years out of BK 7 with scores about ...
A: You would probably have about as good of an idea as I do in that area. A bank is going to be your ...
|
| 15,000 personal loan | 6/2/2007 | Joe Montgomery |
Q: I am wondering if you think I would get approved for a 15,000 personal loan. I am getting married ...
A: The straight answer is most likely no. With scores below 600, I have never known any lender to make ...
|
| bad credit history - chances of getting a $5000 personal loan? | 6/1/2007 | Joe Montgomery |
Q: You ever get stuck in the weeds? Two months ago in the span of two weeks, I was mugged, my apartment ...
A: I'm afraid I'm going to be one more patch of crab grass. Most lenders don't like "temporary" ...
|
| house loan with score mid500's | 5/31/2007 | Joe Montgomery |
Q: I have an equifax score of 576. On the CR I do have some accounts that were settled for less amount ...
A: Most government loans are made for just this type of situation. An FHA loan is a good example-- in ...
|
| Would I be approved for $15000 loan? | 5/30/2007 | Joe Montgomery |
Q: I'm 29 and I am wondering if I would be approved for a $15000 personal loan to pay off my debts. I ...
A: I think either is a good idea, but the community bank would have a little more control in their ...
|
| Would I be approved for $15000 loan? | 5/30/2007 | Joe Montgomery |
Q: I'm 29 and I am wondering if I would be approved for a $15000 personal loan to pay off my debts. I ...
A: There are a lot of factors that one would need to know to see if you would qualify for a loan of ...
|
| house loan with score mid500's | 5/30/2007 | Joe Montgomery |
Q: I have an equifax score of 576. On the CR I do have some accounts that were settled for less amount ...
A: The first issue I see with your information is that you say you have a home loan, but you want to ...
|
| personal loan | 5/30/2007 | Joe Montgomery |
Q: i wanted to know how i can get a personal loan for around 5000 or maybe 8000. my credit score is ...
A: From what you've told me so far, it looks like you should have no trouble getting a loan. A loan ...
|
| Personal Loan to get Home | 5/24/2007 | Joe Montgomery |
Q: My name is Madonna, I am 19 years old and my fiance is 28. We are trying to get a personal loan for ...
A: You're chances are very slim. The only thing you can do is work to build good credit which is ...
|
| Need a personal loan | 5/23/2007 | Joe Montgomery |
Q: I wanted to know if there was anyone who would give me a personal loan for $500.00 I have a ...
A: Without a job, lenders cannot make you a loan as they cannot be guaranteed when or how you can pay ...
|
| personal loans for people with fico of 500 and under | 5/22/2007 | Joe Montgomery |
Q: How can I get a personal loan with a fico of 501 without using equity in home? Is there any one ...
A: The answer is no. That is why those other questionable companies are out there. I have had several ...
|
| Personal Loans | 5/22/2007 | Joe Montgomery |
Q: What does my credit score need to look like in order to get a personal loan for $5000? My score is ...
A: Yes. Most car dealerships have lenders that they can use for people with credit scores down into ...
|
| Personal Loans | 5/22/2007 | Joe Montgomery |
Q: What does my credit score need to look like in order to get a personal loan for $5000? My score is ...
A: You will have an issue getting qualified for a personal loan with your credit score. Most lenders ...
|
| how toget a loan | 5/21/2007 | Joe Montgomery |
Q: My husband and i ran a business which went under due to lack of payments by customers, which ...
A: Depending on your credit score there are several companies that can do a loan of this type. Peoples ...
|
| personal loan | 5/21/2007 | Joe Montgomery |
Q: I am 23 years old and would like to get a personal loan for $10000 to pay off my car with about ...
A: Yeah, some places are strict when it comes to income calculations, sources, and time on the job. If ...
|
| personal loan | 5/21/2007 | Joe Montgomery |
Q: I am 23 years old and would like to get a personal loan for $10000 to pay off my car with about ...
A: I would recommend joint, as there are more options, and it will give you a better chance to qualify ...
|
| consumer loan | 5/20/2007 | Joe Montgomery |
Q: I share ownership of a car with my mom. It is title in both our names. The car is paid off and is ...
A: She would need to sign the title of the car over to you. Even if you are the only one trying to get ...
|
| what does your credit score need to be in order to apply for a loan? | 5/19/2007 | Joe Montgomery |
Q: when you go into a bank to apply for a personal loan what is the lowest credit score that you can ...
A: Technically-- 0. If you don't have enough credit you can have no score at all. the "worst" I've ...
|
| Personal or Collateralized Loan | 5/19/2007 | Joe Montgomery |
Q: I am interested in either a personal or secured loan. I have a house with about $700,000 in equity. ...
A: Depending on all factors involved-yes. If you actually have $700,000 in equity, there are quite a ...
|
| Personal or Collateralized Loan | 5/19/2007 | Joe Montgomery |
Q: I am interested in either a personal or secured loan. I have a house with about $700,000 in equity. ...
A: Based on the details you've given me, I don't think you can accomplish your goal. If your credit is ...
|
| Car Loan vs. Personal Loan | 5/16/2007 | Joe Montgomery |
Q: Hey Joe. I have a few questions for you. Well first off i am 20 and i have a credit score of 740 ...
A: First off, I don't think a personal loan is a good option for several reasons, but mainly because ...
|
| How to get a personal loan with bad credit | 5/15/2007 | Joe Montgomery |
Q: I have often heard through various articles on the 'net and forums that it is possible to get a ...
A: I'm sorry to tell you the answer is no. It is true that there are a few companies that offer ...
|
| Credit score 638 | 5/11/2007 | Joe Montgomery |
Q: I have a credit score of 638. I would like to sign with a credit union to get a loan for a vehicle, ...
A: It is an option. Your score is fairly average, the determining factor will be how many debts you ...
|
| Persoal/Car loan | 5/9/2007 | Joe Montgomery |
Q: My credit is not good. I fell be hind on all credit cars and my automobile. Back in October of ...
A: I would think it would be reasonable that you would get approved for an auto loan. I would ...
|
| Personal Loan to pay Tution and Credit Cards | 5/8/2007 | Joe Montgomery |
Q: I'm 20 years old, and I'm and a full time Community College Student with a part time job. My credit ...
A: You can ask for a loan in jeans and a t-shirt if you want, and be taken just as seriously, but I do ...
|
| getting a personal loan | 5/7/2007 | Joe Montgomery |
Q: I am thinking of trying to get a personal/home improvement loan for 10,000. I have 2 major credit ...
A: You could look into getting a personal loan, but your payments are going to be a good bit higher ...
|
| LOAN NEEDED | 5/7/2007 | Joe Montgomery |
Q: im a 21 year old college student in need of a loan in the amount of $7,500 for summer school. My ...
A: My understanding is that there are a lot of government loan options for students out there, ...
|
| Getting Credit | 5/7/2007 | Joe Montgomery |
Q: I want to apply for a personal loan, but my credit is about a 580 and I want to pay something off my ...
A: The only real way to do this would be to take out a personal loan, however the issue would be that ...
|
| Personal Loan with Furniture as collateral | 5/7/2007 | Joe Montgomery |
Q: I wanted to know if it is possible to get a personal loan for around $5000 to $8000 with sub 500 ...
A: The answer is most likely no. I know there are some companies out there that offer $5,000 to ...
|
| I want a loan for a keyboard | 5/6/2007 | Joe Montgomery |
Q: I want to get a loan for a keyboard that coast about $3500.00 I have a full time job and one car ...
A: Loans of this type are typically made through a local credit company, and often are similar to a ...
|
