Question by John: Who gives loans against SSDI benefits?
I currently collect SSDI benefits and am 44 yrs old. I need a personal loan between ,000-,500. I find it hard to believe that the Social Security Administration doesn’t have a program in place. If they risk becoming insolvent soon, why not loan money and charge interest? In any event, my question is: Are there any lenders (legitimate) who offer personal loans to risky, bad credit borrowers(me) with a pretty much guaranteed ability to pay? Please no responses such as: “you should try to slowly pay down your debt to increase your fico score.” I have personal as well as credit report obligations that I need addressed immediately. Thanks very much for any suggestions….

Best answer:

Answer by Jessi
hi
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Good luck!……

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Question by Labrythn: If you get “no credit” for class (taking for credit/no credit)how badly does that hurt chances of going to UC?
If a student gets “no credit”, how badly does that hurt chances of going to a UC, does it matter even though it’s in a class that the UC doesn’t require for the students major? The student also has some W’s but has some very good reasons.

Best answer:

Answer by Ms. Sun
It does not hurt your GPA and is not likely to make a significant impact on your application.

What do you think? Answer below!

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Question by tunabomberswillcrushyou: Is Providian credit score a joke? ?
it seems they score you on your personal payment history with them, not your actual credit score with trans union. There is close to 100 pt difference between my actual score with trans union and their “FICO SCORE” it seems they are just trying to motivate their customers to keep paying on time as it will continue to increase their credit score…what a bunch of crap…I wish I really had an 850 score

Best answer:

Answer by David
Research the top rated credit card issuers.. Providian used to be one of the worst

Years ago when I had no choice .. I had a dealt with these people

Heres the thing…

Use the card wisely.. pay it off each month and regardless of interest or your credit score with them … you will build good credit and someday get a decent rate from a good company

Be wise.. Think twice if you really need it and someday you will have that 850

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Question by Bryan B: will closing a paid-off credit card account that’s reported a late payment b4 hurt my credit?
I have a retail store credit card. I carry a very small balance on it from time-to-time to take advantage of their no-interest promotions. Well, a year ago I forgot to make a twenty-dollar payment while I was out of town and not getting my mail. My credit was hit and it really hurt my score. The same thing happened this week with the same card. I paid the card off this morning but apparently I am just too retarded to keep track of more than a couple credit cards so I am considering closing the account. But I wonder what’s best… Should I try to “repair” my relationship with them by buying something else and making regular payments, or will that not help me? I have a mortgage and other credit cards (that I carry much larger balances on), and I am never late on them. So is it okay for me to close that retail store credit card account, or should I keep it for a while and try to show them that I’m not an idiot? What’s going to help bring my score back up?

Best answer:

Answer by Dana R
It is much much better to keep the account open with a zero balance than to close the account. Just having the credit helps your debt to high credit ratio and can eventually boost your score even if you don’t use it. It shows that you have credit and are responsible enough to pay it off and not keep a balance. If you have a few accounts that you use every once in a while and pay them off right away that is a good thing. Obviously it’s not good to pay them late at all. But in the end it benefits you more to leave the account open and not use it than to close it. Don’t worry about buying something else with it because that won’t make a difference. Just leave the account as it is. That will help your credit. Good luck!

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Question by Bryan B: will closing a paid-off credit card account that’s reported a late payment b4 hurt my credit?
I have a retail store credit card. I carry a very small balance on it from time-to-time to take advantage of their no-interest promotions. Well, a year ago I forgot to make a twenty-dollar payment while I was out of town and not getting my mail. My credit was hit and it really hurt my score. The same thing happened this week with the same card. I paid the card off this morning but apparently I am just too retarded to keep track of more than a couple credit cards so I am considering closing the account. But I wonder what’s best… Should I try to “repair” my relationship with them by buying something else and making regular payments, or will that not help me? I have a mortgage and other credit cards (that I carry much larger balances on), and I am never late on them. So is it okay for me to close that retail store credit card account, or should I keep it for a while and try to show them that I’m not an idiot? What’s going to help bring my score back up?

Best answer:

Answer by Dana R
It is much much better to keep the account open with a zero balance than to close the account. Just having the credit helps your debt to high credit ratio and can eventually boost your score even if you don’t use it. It shows that you have credit and are responsible enough to pay it off and not keep a balance. If you have a few accounts that you use every once in a while and pay them off right away that is a good thing. Obviously it’s not good to pay them late at all. But in the end it benefits you more to leave the account open and not use it than to close it. Don’t worry about buying something else with it because that won’t make a difference. Just leave the account as it is. That will help your credit. Good luck!

Add your own answer in the comments!

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