where can i buy furniture on credit even with bad credit?
594151
Do you really NEED the furniture?  Or are you just bored with what you currently have?  If you use credit (rent-to-own, credit card), you'll end up paying a LOT more (becuase of interest and misc. fees) than if you just save the amount you would pay every month, then buy the furniture with cash.  For example, if you would be paying $50/month for two years, save that money instead and in about half the time, you'll be able to pay cash.\n\nWill you really love that new furniture when you're still paying for it 2, 3, 4, 5 years from now?  Or, how would you feel about paying $50 per month (or whatever it would be) for 5 year old furniture today?
919749
Sorry, could not find an actual store, but if you are able to make a pmt on your credit card then you can chose from the hundreds of sites on the net
234430
I would say to do a search on ebay...\nThey have everything in the world there at reasonable prices...\nBut be careful that you don't give out your credit card number to just anyone...\nI always pay with a money order on things I buy there...\nSafer to pay that way...
24797
Yes, no and maybe.  Nicer places will not look favorably on your credit.  Others may require a cosignor or a larger deposit.  In any case be up front and honest about your situation and ask for help.  Anyplace that doesn't want some form of guarantee might not be a good place to live.  If you live at home, I would suggest you stay there and work on improving your credit.  It's a poor excuse to fail to pay your credit accounts when you have no living expenses.
162832
Well first try to get something small,like a furniture account. Then you just must make sure you are not late on any payments and you build from there.The more you pay the more someone will take a risk on you.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
293589
Normally and the most simplest way (I think) would be to debit value received and credit value given up.  For example, if you buy office furnitures for your business and pay it in cash, the entry would be\n\ndr.  Office furnitures\ncr.  Cash\n\nbecause you received the furnitures and you gave up cash.
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
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
626302
you can buy your score at www.myfico.com\n\nIt's 12.95 last time I checked.\n\nI also got a free score when I went to a workshop at a mortgage company, they do a combined  pull from all three and the score was on it.
166959
you could try credit card companies
448712
A good rule of thumb is that if your furniture is going to help you earn more money over the period of the loan than the interest you pay, then it's a good idea to use credit.  \n\nSay you're starting an accounting service.  Your clients need a place to sit while meeting with you, but you don't yet have the funds to puchase furniture outright.  Without that furniture, the business will flop.  In that case it would be wise to use credit, since you're expecting the business to produce far more than the interest payment on the furniture.\n\nIf the furniture is just for your personal pleasure, you still need to calculate how much it's going to cost over the long term.  Then decide if your immediate gratification - and the loss of whatever you could have bought with that interest money - are worth paying that much for some furniture.\n\nIf you want a certain piece of furniture and you expect the price to skyrocket before you can save up enough to buy it, then a loan would offer some middle ground.  More expensive than if you had the cash today, but less expensive than if you saved up and bought it outright.  This fits in the first scenario above because you could then actually sell it and earn money above and beyond the interest.\n\nAnd one last thing I almost forgot to mention.  If you're looking at a specific SET of furniture, there is usually a big discount for buying the whole set vs. piece-by-piece.  Check the numbers, and the loan+interest might actually be cheaper than buying it piece-by-piece over time.  PLUS you get the immediate gratification and you don't have to worry about one piece going out of stock.
330272
Its not easy buying a home with bad credit. Its not easy buying a home with good credit now adays. I say, go through a credit builder and discuss your debt with them. It might take some months or even some years until you get your credit straight before you buy a home.  If you have bad credit now, the house is just gonna make it worse if you don't pay your notes and bills.
322776
Used furniture dealer
771238
YES :)  There are companies that lend to those with bad credit. Ditech.com is one.\n\nThe interest rate may be nasty but you can get a mortgage. There are also companies that own homes that sell them to less than perfect credit.\n\nBuild your credit back up. Get a credit card and put everything you usually buy on it BUT PAY IT off every month. If you have judgments, pay them. Charge offs, wait and dispute them with the credit agency..most can't prove them because they are junk debt.\n\nGood Luck
1089932
Of course, this is exactly WHY you shouldn't allow yourself to GET bad credit.  It is extremely costly, because it forces you to lose out on good opportunities like this.  There's a very high likelihood that you WON'T be able to get credit anywhere.  \n\nHere's what I would consider.  Try some of the high risk credit card lenders.  See if you can get a home-equity line for your home.  You might also be able to depend on 'trade credit' for part of it (foods, etc.), but you'll still need enough to equip the place, and frankly, your choices are very limited due to your past record.  I hope you can find something.  Otherwise, you'll just have to wait 7 years until your credit clears up.\n\nBest of luck to you.
135090
Call Countrywide Mortgage - they have aggressive programs for credit challenged. You'll be surprised.