Credit Repair Questions & Answers

B asked:


I have 12,000 in credit card debt, no collateral for a loan, and a 599 credit score. I have no other bills and would be in great shape if I could pay these off. What are my options???

msginayvette asked:


I need a small loan of about $2000, that I can make monthly payments on.
I have bad credit. I believe my score is 656. (i made mistakes)
and I dont have anything to use as collateral.

Does anyone have experience with or know of a company that will help?
Oh and I dont have a co-signer.

rmo2380 asked:


As I said I have very very bad credit due to unfortunate circumstances. Some were my fault than again others werent. I have creditors coming after me and also have had judgements. I am smarter these days with my money. I just want to rebuild my credit for one and I am more responsible these days. I want to borrow close to ten grand so I pay everything off. I dont have any collateral such as a house. My parents who have good credit say they would cosign for me. I know I am a lot smarter now and more responsible and I am capable of making payments. I am in a credit union so my question is would it be likely for them to lend me money with my parents as cosigners and me being labelled as high risk? I just would like to know because I know by applying to all these loan places It goes on my credit report and I wouldnt want their credit being hurt from being denied.