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We want you to understand everything about how our free service can help you. Read below for more information:
Even with a bad credit score, can you help me find a lender?
Send us your request form and we will help you find a lender who might be able to accept you for a bad credit loan. Our lenders are flexible in regards to the various credit scores of people requesting loans. You can send your inquiry and find out for yourself if you’ll be accepted in a matter of minutes!
Does my credit score really matter so much? Who cares about it?
Your credit score can give any lender an idea of what type of consumer you are. Since your credit score is based on your personal payment history, the lender will be able to evaluate how much risk will be involved in offering you a loan. Yes, you can be accepted for a bad credit loan, but keep in mind the terms might be a bit more strict than a loan for good credit. If a loan would help you in your situation today, feel free to send us your request.
How is a bad credit score determined?
Most lenders refer to the FICO system and the scores when they are evaluating a loan request. When looking at a score that is less than 620 points, a lender knows it’s bad. A bad credit score can mean that you defaulted on a loan, sent payments that bounced or that you didn’t pay your bills on time. These facts are all important for a lender to know when writing the terms of a new loan agreement. You can also be branded as a bad credit consumer if you are deep in debt. To be released from this bad credit label, you need to work towards a score that is more than 620.
Is a bad credit rating something that can be fixed?
It takes some work and determination, but the answer is yes. You may need to break some bad habits and start new ones. An important step to consider is paying bills on time. If you owe money that is due, get the payments caught up or renegotiate the terms with the lender. Pay off all the excess debt you have and you can improve your credit score.
Who helps people like me, with a bad credit score?
There are a number of individuals and organizations that are in the business of helping people strengthen their credit ratings. Finding someone to help isn’t difficult at all, but what is important is that you feel confident with whoever you turn to for help. There are a lot of ways a financial counselor can help you get your finances back on track, but only if you are able to open up to them about your payment and spending habits. You can ask others about their opinion of the counselor you intend to work with or, if the person or organization has an online presence, look at the reviews others have left.