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lbowman920

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Everything posted by lbowman920

  1. Thanks I didn't think about getting two smaller loans I was just focused on one big enough to pay my tuition - and as far as if I need a co signer I have always paid all my bills on time and I try not to even think about paying one late because I want to one day have good enough credit to be where my parents are at they own 3 house and 4 apartment complexes so I wouldn't let them regret co signing for me - thanks again for the help I guess i could always borrow the money from my parents if It came down to it but I would rather try to be responsible and take care of my problems on my own first
  2. I have some credit I have the utilities at our house in my name and a credit card that I have never had any late payments or anything my score is 657 which isn't that bad I'm guessing I would like to be between 680 and 700 but I am young so I have plenty of time to work on that I just need to try to get a loan to help finish paying my school tuition so that it doesn't go on my cr as upaid and cause a problem
  3. I have been trying to get a personal loan and can't seem to get approved anywhere. One place approved me but only for $800 if wasn't worth taking. I need to pay off my school tuition and stuff and needed a little more than 800. I am maried but have been applying by myself because I didn't want my husband's credit effected at all even though I always pay my payments and bills on time. He has agreed to apply joinly with me to help me out so would I have a better chance at getting approved if I applied joinly with my husband. PLease help asap need advice.
  4. My credit scores are actual good and I have several credit cards with my accounts in good standing never late and always have paid my minimum balances most months double. The only problem with my credit report is that have a lot of inquires on there from where I got my credit and from where I had my utilities turned on in my house. Besides waiting for two years for them to come off is there any other way that might be a little quicker for me to get the inquiries off or is it better for me just to tough it out and wait two years any suggestions please.
  5. I applied for a patelco cc but I don't know the url where I can check the status of my application online anyone know or do I have to call them
  6. I was woundering if someone could help me I don't know how to distiguish the hard inquiries from the soft ones on my credit report please help
  7. I have two major questions one is that I have a credit scrore with EQ of 634 and I have some credit card and student loan debts but not much all together it is only $2,600. I was thinking of allpying with patelco because I would like to consolidate this into one payment instead of a bunch. WHich would be better for me to do - apply for a debt consolidation loan or apply for a credit card and request a big enough credit line to have all my loans and balances transferred to a cc and have one payment like this. PLease help asap. Next question where I have been applying for several cc and loans here lately trying to consolidate my debt myself I have 47 inquires on my credit report (not all are from this there are half that are from a year ago still on there) what is the most effective way to get the inquiries off my credit report because I did not know until I recently read that inquiries hurt your credit so is there any way I can help get some of these off.
  8. I have two major questions one is that I have a credit scrore with EQ of 634 and I have some credit card and student loan debts but not much all together it is only $2,600. I was thinking of allpying with patelco because I would like to consolidate this into one payment instead of a bunch. WHich would be better for me to do - apply for a debt consolidation loan or apply for a credit card and request a big enough credit line to have all my loans and balances transferred to a cc and have one payment like this. PLease help asap. Next question where I have been applying for several cc and loans here lately trying to consolidate my debt myself I have 47 inquires on my credit report (not all are from this there are half that are from a year ago still on there) what is the most effective way to get the inquiries off my credit report because I did not know until I recently read that inquiries hurt your credit so is there any way I can help get some of these off.
  9. I have two major questions one is that I have a credit scrore with EQ of 634 and I have some credit card and student loan debts but not much all together it is only $2,600. I was thinking of allpying with patelco because I would like to consolidate this into one payment instead of a bunch. WHich would be better for me to do - apply for a debt consolidation loan or apply for a credit card and request a big enough credit line to have all my loans and balances transferred to a cc and have one payment like this. PLease help asap. Next question where I have been applying for several cc and loans here lately trying to consolidate my debt myself I have 47 inquires on my credit report (not all are from this there are half that are from a year ago still on there) what is the most effective way to get the inquiries off my credit report because I did not know until I recently read that inquiries hurt your credit so is there any way I can help get some of these off.
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