where can I get a home/debt consolidation loan with bad credit?
357290
Go to Lendingtree.com\n\nI got a Mortgage after my wife declared bankruptcy.
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!
597066
Honestly?  No established loan agency will give you a loan.  I used to work in a bank, and you are missing all of the basic criteria for a loan.  You need to clean up your credit, get a bank account, and be accountable.  What is the loan for?  There are debt consolidation organizations if you have a lot of credit card debt.  They will negotiate reduced APR so that you don't have to pay that much monthly and get you on the road to solid credit within a few years.  \nhttp://search.yahoo.com/search?ei=utf-8&fr=slv1-mdp&p=debt%20consolidation\n\nIf you have a retirement account, you can take a loan out against it for 50% of its value.  It has a one time fee, and their is interest but the interest is being paid back into your retirement account.\n\nThere are also organizations that offer free financial advice.  I once was in your shoes.  It is a horrible place to be, and I feel for you.  But I got myself out of there.  I created a budget, that I lived by sacrificing entertainment and convenience for about a year and suddenly I was debt free after 10 years of living under the burden.  The constant stress takes a toll on you.  It is worth getting out from under it.
798183
You need to go to http://www.loanconsolidation.ed.gov/\nYou can consolidate the loans you defaulted on, and after you do that you will be eligible for aid again.  You can even take out new student loans.  The process takes several weeks, so you need to get started asap.  I promise you this is the truth, I had to help a friend do the same thing.  Good luck!
810407
If you have bad credit get a Eufora Credit Builder Card. \n\nYou can apply here: http://www.goeufora.com/418121496892 \n\nIts $99 for a 24 month agreement for the Elite Level. \n\nIt reports to the credit bureaus that you have an open installment loan and is excellent for your credit. \n\nKeep in mind you can only spend what you load onto it, like a debit card, but it helps your credit!
1024028
Ask you bank for a line of credit. The interest rate is cheaper than a credit card. Otherwise consolidate all your debt to give you a smaller monthly payment.
1002174
Try your county Social Services Department.  They probably will be able to refer you to agencies appropriate for your particular need,  whether it be "crisis assistance" or "credit counseling"
128849
Go to your local bank and ask them if they have any ideas for debt consolidation.  They might have a personal loan you can apply for.
572656
Here is another resource:\n\nwww.naca.com\n\nThey are a non-profit housing advocacy group. They do their own financing, will work with you to get your credit back on track and they also work with banks.  They do fixed rate loans.  Check them out.  If you have bad credit your terms with a lender aren't going to be that great.  NACA isn't about profit, they are about getting people into houses.  They got their money by taking on Fleet Bank for predatory lending and they won.  Now they use that money to help others get into homes.  Good luck!
1153442
Call a local mortgage broker (check your local yellow pages) and ask for a consultation, they are usually free or may charge a small fee (< $25)  for pulling your credit report..  Do not call a bank.  Mortgage brokers have many more programs available than banks and are more experienced in dealing with folks with troubled credit.  Anyway, they can pull up your credit and see how it looks.  It may not be as bad as you think.  If it is, there are programs such as FHA that are not credit score driven.  It always helps to have money saved up for a down payment, and while 100% loans can be obtained, you will most likely need a minimum of 3% down.  If you do not have the 3%, it can be in the form of a gift from family or friends.  There are 3rd party non-profit companies that you can get the donwpayment from, although FHA has been looking down on them lately.  Mainly b/c the 3% gets financed back into the loan....sort of...but I can't say that...LOL\n\nA good mortgage broker will have all of this information.  He/she should also be able to direct you on what to do if your credit needs a little repair.  If you are not ready to buy now, they can coach on what to do to be ready in 6 months or so.  Good luck with your dream of owning a home.
1006999
By law, approved consolidators cannot charge a fee.\n\nHere is a list on them which will do bad credit loans: http://lendersrated.com/studentloans.htm...\n\nHope it helps you...\nkarateross
771889
Hate to be the bearer of bad news, but you're probably out of luck unless you can take out a home equity loan.  With a bad credit score, NO ONE is going to give you a loan to pay off your debts because they figure you'll just go out and get into debt again.  Debt consolidation programs like Consumer Credit Counseling Service are really the best way for you to go, given your situation.
503885
try Prosper.com.  If you meet a minimum credit score criteria you should be able to get a small loan with a decent interest rate and low payments
339137
Yes - look into FHA loans. For most loans you need a valid credit score which means at least 3 open credit accounts. If you can't get a credit card it is unlikely you have 3 credit accounts.\n\nFHA let's demonstrate credit by using utility bills, car insurance, rent, a monthly deposit to a savings account, etc. \n\nIf you use these forms of "alternative credit" you need to make sure you have a minimum of 12 months of paying on time.\n\nYour score could go as low as 550 for FHA
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
579723
try contacting www.naca.com\n\nthey are a housing advocacy group, non-profit, and they do their own lending.  they will work with you on your credit if necessary.  Good luck!