hi! I have been denied credit

Hi, and welcome to the site. The first thing I would do is to list what state you are in and what loans you have, how much and are they in default. Then I would click on the "free consultation" button that is just to the right of this post, then they can help you in depth.


all the best,
Luke

gene -

Hi and welcome! If you signed up for the free consultation, a debt consolidation/settlement company will be calling you soon to offer you some options for their programs. You do not have to use their services, however - you can choose any agency you like. Check out our Ranking Chart at the top of the page, and look for an agency in your area that may be able to help.

Is this all credit card debt, or is it a mixture of debts? Are there any payday loans involved? Have you pulled a recent credit report from annualcreditreport.com (free once per year or when you have been denied credit, no fees involved or program to sign up for) to see exactly what is showing on your credit?

Welcome to the Community gene :D I wanted to "bump" this to the top of the forums, since I locked your other thread. I locked it so that all the replies to you would be on one post and you could find it better. Good Luck..Karen

Good day geneo807,

Welcome! There is two steps that you need to take: Take a piece of paper, and write down all your creditors, how much is your balance, what is your monthly payment and your APRs. I am assuming that these are all credit card debts. Then call the number on the right of your screen, and explain them your situation. I am sure that they will find a slution for your struggle :D And it will cost you a lot less of both money and nerves if you do it asap!