Chosen by Asker

Cut out one of the credit cards. Pay off the debt--if you make $48K/year, you can scarifice to pay off $4000 this year. Also, I would hold off on that personal project until you pay off the debt. Before getting FURTHER in debt, pay off the $4K. Also, 20% interest over 36 months is incredibly high. Wait a year, save up the money and do it then. You'll be happier AND you'll be saving yourself money.

by FaZizzle

3 years ago

Asker's Rating: 

Have you tried the bank where you have your checking/savings accounts? that would be my recommendation - they know exactly how much you are worth on paper.

by enchanted fairy- 3 years ago

This site might have some helpful bad credit loan information for you. loan ... Hope things work out!

by ireenie08- 3 years ago

6000$. It looks huge when you need it, but it's still a small amount of money. I'd suggest to focus on the 2 credit cards you have paid on time. Try to get more credit from these cards. If it doesn't work, look at your bank or try to get another credit card with entry promotion (many are offering a 0% interest fees over the 6 first months) Good luck !

by carlos- 3 years ago

Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is a straight to the point ebook with question and answer I found : umgarticles ... if it helps kindly remember me in your voting!.. cheers!

by gabriel jones- 3 years ago