How can I get a loan to pay off all my bill's? I have real, I mean real bad credit?
360924
See about refinancing if you own a home, or work more than \none job. Sometimes sacrifices have to be made to make things\nbetter.  It' not fair that your kids had to do without your\nsupport. If you're serious, look at finding a grant to help you get back on your feet.
111158
I provided a link for the free credit report from the government. As for your medical bills. Call the doctors and explain to them your situtation. Some doctors are known to reduce their bill and sometime even write them off. If your bills are with a hospital, call them and try to work off a payment plan. The best way to do this is to sit down and write a budget for the month. Make sure you list your home, food, and utilities first. Next, car and gas payments. Then other bills, like daycare. Make sure you have all the money going towards something. Just be honest with them and tell them you want to do the right thing and pay them. They should be able to work something out with you.
242284
get a friggin loan like everyone else you GD loser...\n\nHey everyone!!! for no reason what so ever I would like you all to send me $50... please, please, pretty please!!!!
500015
NOT TRUE!!!\n\nI just got done with a Credit management company.  Smart Credit Management Group.  They don't give you a loan to pay off your credit cards, instead you give all of the CC information and they call your creditors on your behalf.  Negotiate lower APR's and monthly payments.  Once your cc company has accepted this offer you send one  monthly payment to your credit management company and they send payments to all of your creditors.\n\nStudly is correct.  \n\nYou will have to pay a small monthly fee for their services.  We paid $48.00 per month.  Which I think is a small price to pay to get your sanity back.  Going from over $1000.00 per month in debt to just a hair over $700.00 was a welcomed relief.  \n\nAlso, if your currently behind in your payments on a regular basis, this wont be any different then that.  The only thing that it did to my credit report is on each of my creditors it showed that I was working with a debt management company.  In which you have to look at your situation and kind of pick your poison as they say.
434946
First of all- stop using pay day loans!  You need to get a good job and save your money for your bills- pretty common sense.  If debts are too much try orderly collection of debt or you may have to file for the awful 'B' word
480079
if the purpose of your loan is to pay your debts. you are better of consulting an agency that helps you reduce all of your debts into one whole bill and pay a monthly fee. jus know that it will take a long time, pay a lot of interest but it can be done. i did it like that. or you can just find a relative with the cash and ask them for it.
1048373
Yes, you can! \n\nFirst, you need to find a starter card. You can get one for people with 'bad credit' or you can try getting a small one ($200) through Capital One. I started with that, and bought a car around the same time (not with the credit card, of course! :)). The interest on my car is ridiculous, but such is the penalty for not paying my bills before. After you work diligently to pay off your card every month and keep up with your utility bills, it will eventually pay off. I bought my own house (2 years after finally beginning to clean up my credit) and have several cards now. Most of them I don't use, they are just for emergencies. \n\nYou want to make sure that you don't keep maxing out your card and paying it off. I did that with the $200 card, because I would pay bills, then use the bill money to pay that off. I have a steady job, so I knew it wasn't that much of a risk, but if something ever happens, you're screwed. Your best bet is to carry no more than 20% of the limit every month. It looks better on your credit report. \n\nYou can do it ... it just takes hard work and patience. It won't change over night, but after about a year or two of consistent payments, you'll be in a much better position.\n\nGood luck!\n\nEdited to add: One thing that I forgot to mention is to watch the "program fees" etc. With Orchard Bank, for example, you may get a credit line of $300. When you first get the card though, there is already a $92 balance from program fees, signup fees, etc. I was never really okay with that, so I avoided those cards. It's a place to start if you have no other option, but I would go with a secured card before I would go with a card that starts me out with a $92 balance ...
1131773
You are paying off bills with another bill! Did you ever try Consumer Credit Counseling? I believe it's a free service and they help you reduce your payments maybe even lower your interest rate. I would try that first before you get deeper into debt.
873731
Mostly places that will charge you an outrageously high interest rate. You are better off waiting to get the loan, and try paying off some of your old debts and improve your rating. It is very hard to do, but possible, with a little perseverance. Much luck.
627087
I have a fantastic, totally new concept for you....STOP SPENDING MONEY AND PAY YOUR BILLS. I know this sounds strange to you, but you didn' t 'earn' that FICO doing the right thing. If you do not set about to repair that mess, you will never own anything of value, you will pay outrageous interest rates on any loans you may be able to get on a very old used car, and you will not have your pick of where to live...in fact,, I doubt if you could rent an apartment with that score. Wise up and get to work. There are NO miracles going to happen to save your butt. You got yourself there by not paying for what you took, and you are seriously in over your head. Start today to dig yourself out...it will take a lot of time, but you can do it if you set your mind to it. If you don't, prepare for a lousy life with no home of your own, no nice cars, no...NOTHING! good luck
1146023
The best places to start is with your bank.  If you have had an outstanding account for several years, they can help you.\n\nOther places are Department Store Credits.\n\nRemember this hard fact about Credit!!!!  Never go beyond your means.  Make sure you have more than enough money to payments and still afford food, utilities, rent/mortgage, etc.\n\nNever jump at credit offers from the mail.  These are not good credits to start with.  They want you to pay anywhere from $100 and more to initiate, the interest rates are way too high and they will bounce you real quick if you miss one payment.  Most of the Mail Credit charge a whopping 22% interest, or more.\n\nA good Credit Card should be less than 15% interest, the lower the better.\n\nIf you get a Credit Card, he is a trick to get your Credit Score to raise:  Buy only $100 dollars (or less if you cannot pay that when the bill comes) worth of items.  When the bill comes, pay ALL but $5.  Each month, only spend up to a total of $100 (remember to add the $5 you leave each month to that amount, ex $5 + Interest Rate + $?? = $100 for the 2nd month on), but ALWAYS leave the $5 dollars on each full payment.\n\nIf you pay off your card each month on the full amount, your credit score barely moves.  BUT, if you leave the $5 (this way, the interest will be the bare amount allowed), and your credit report shows you are making payments, your credit score goes up.\n\nI know it sounds stupid and unbelievable, but that is the way Credit works.  You have to show you still OWE money to get a Credit Rating.  But, you don't want to fall into the common trap of owing TOO much.  If that happens, you will NEVER get out of debt easily.
213903
Your in luck, we are a direct lender and also broker.  I have done many loans for people that have bad credit.  The normal banks you walk into will turn you down for any reason they want. I have lenders that look at other factors besides your credit.  Contact me at www.xclusivefinancial.com
486181
Contact the institution you have your loan through, and let them know you are under hardship.\n\nThen start looking for another $20 job as fast as you can.\n\nDepending on how many years you have already paid into the loan you MAY beable to refinance it.  Call a local mortgage broker and see how they can help.  Consultation is free.\n\nSometimes our credit isn't as bad as we think it it, sometimes it is worse.  But there should be help.  A good mortgage broker or financial officer can help.
1060639
What do you consider really bad? I'm a loan officer and I see people with credit in the high 500s get approved on loans for homes. if it is below about 620 or so you will probably have to come up with a 20%+ down payment though. There are a lot of companys that can help you improve your credit scores DRASTICLY in about 6mo to a year. It costs a little though. Also be very careful of "consumer debt counseling" they help you pay off all your debt faster by getting the companies you owe money to to settle on a lower amount, or "charge off" the balance. a charge off is what happens when a collector just says screw it we're never getting paid. Consumer debt counseling gets rid of your bills, but damages your credit worse than a Bankruptcy because it takes longer to repair the damage. I would contact a local Mortgage broker and see if they can prequalify you for a home. If they can't, ask for a recomendation for a good credit repair agency in your area. good luck!
1091325
you can look at my profile\nthere I have a link you should have interest in\ncheck it out for yourself text from the site\n"We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required."\ngood luck
680378
It's clear you don't want to do it the old fashioned way or you might never have ended up with bad credit to begin with. However let me take devil's advocate position just for an excercise in fairness. Pay off your debt as fast as you can & then speak with the Small Business Administration. You'll find a ton of help there. While you're paying off your debt?, try working in the field you want to start up to gain insider tips  on how best to run that business.Look for the link Starting Your Business
1116198
If you owe more than what you can comfortably afford to pay out than you have a few alternatives.  One (which I do not recommend) is bankruptcy.  Two a part-time job.  Three credit helpers (which I also do not recommend).  Four call your creditors and explain your situation ask them if they have a hardship program and what do you need to do to get enrolled in it.  Than look at your smallest balance and sacrifice to pay it off as quickly as possible.  This will mean the money you used to spend on that bill can go to someone else.  if you keep doing this you will be surprised how quick you can get out of debt.  Think about what is your ultimate goal her and than go from there.  Make sure that whatever got you into this trouble in the first place is something you have conquered.  The last thing you want to do is struggle to get out of debt and find yourself right back in it because you haven't learned anything.