Question by gbaby: What is a personal line of credit ? Is it good to use for debt consolidation? Is 18% too high an interest rate?
Best answer:
Answer by kemperk
18 is 18; it is sky high. IT is horrible for anything.
a good rate is my rate of 9.9%
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Question by Gina: Does anyone know where to get an unsecured personal loan with good credit score but high debt?
Hey- I am not interested in scam folks please. This is a genuine question
Thank you
Best answer:
Answer by Judy
If your debt to income ratio is too high, you aren’t going to get the loan no matter how good your credit score is.
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Question by chicken2008: Is it good to pay off a old credit with a personal check? Asset Acceptance offered me a discount on an debt.?
Is it good to use a personal check for payment. Or is it better to get a money order to send them.
Best answer:
Answer by Maggie G
Never send a collection agency a check. You do not want them to have your banking information. They will drain you dry.
Always send a money order. And get any agreement in writing before sending anything.
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Question by John E: Is it possible for to get a personal loan with a debt to credit ratio of .54? I have good credit, got laid off?
I have good credit but because I got laid off work my ratio is over .50.
Best answer:
Answer by Madoff
1. Banks do not do personal loans anymore.
They will hand you a credit card application if you ask.
2. No bank will give you any kind of loan without a job…..
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Question by Theandysullivan: Would it be a good idea to take out a personal loan to pay off high interest credit card debt?
I think Im getting charged about 8.99% intrest on my credit card. What kind of interest would their be for a personal loan? Would that be worth it?
Best answer:
Answer by waggy_33
If the interest rate is lower than the credit card interest it could be ok. The problem would be if you kept the credit cards and ran up more debt where would you go then. Burn the credit cards
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Question by ruthy A: Are Personal Loans a Good idea to get out of debt?
We have credit card bills, & medical bills are huge it’s driving us crazy. Every month is a hassle to make a payment because we have to decide which bill is going to get paid. We can’t pay them all at once by the due dates; we don’t get paid enough!! I’ve been thinking of taking out a Personal Loan but I’m scared it wouldn’t be a smart move. Any Advice?
Best answer:
Answer by Feeling Mutual
A personal loan will make things WORSE unless you end up filing for bankruptcy protection. You should consult a bankruptcy attorney.
If you are considering bankruptcy, a personal loan could be used to pay secured debts, then you have to wait at least 90 days to file for bankruptcy protection, and eliminate all of the non-secured debt such as medical bills, personal loans and credit card debt, but keep paying on your secured loans sucn as your house and car payments.
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Question by lucina hartmann: Any good places to have a bad credit personal loan or a credit debt loan?
I am trying to get a credit loan and I have bad credit with a 4 collections on me and is trying to have this removed with a credit score of 521. Does anyone know where can I go or begin to get this loan
Best answer:
Answer by jerri
if you are looking for the best and fastest loan website, check out this site
http://best-payday-loans-usa.com/
Here you can get the best rates available for you.
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Question by monstervu: Any good places to have a bad credit personal loan or a credit debt loan?
I am trying to get a credit loan and I have bad credit with a 4 collections on me and is trying to have this removed with a credit score of 521. Does anyone know where can I go or begin to get this loan
Best answer:
Answer by Dr. Gigi
Try :
http://www.nextcreditera.com/
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Question by medphjpogp: Is there a place to just do a personal loan to consolidate debt? My bills are all current. My credit is good.
I live in Texas. I do not want to do a refinance or a home equity. I cannot seem to find a source to consolidate my debt. I have good credit and i never have had a late payment. Everything i find is for people who have already fell behind. I do not wish to do this. I want to keep my credit good. I need to make one payment and interest per month rather than four. I am now self employed. Any suggestions?
Best answer:
Answer by Yahoo Answers
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Question by Claudio F: What is a good percentage of debt to total assets in personal finance?
I think that I would feel comfortable to have 30% of my assets in debt, but I never had debt before, so I am not sure about that.
For instance, if my total assets are 0,000, then I would feel confident in getting ,000 in debt.
Best answer:
Answer by SmartA$$
I’m shooting for 0% and once I get there, I’m never going back.
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