I'm (unfortunately) in the market for a small loan (~$3000). My credit score is around 450. The IRS has given me between $2000-$3000 every February for the last 5 years, almost exclusively due to the Earned Income Credit. Does anyone know of a lender willing to help me out for something like 20-40% interest?

I got my nails done for a holiday party and now i remeber why i never grew my nails out. They are a hiderance for those not used to them. It will prolbably take me a few days to get the feel of them. On a good note. IK am considerig sendig my resume to a friend who wants me to try and get on at her job. It would mean around 7k more a year but it would invlve moving or a very long commute. It wouldn't be collections though and it would be way less stressful.

Love this site, however you should really push persons w/payday loan issues to post them in the "Payday loan" forum. Really would help for persons w/non-PDL issues to search the forums for info they don't need.

Yesterday I was served with a notice of suit for a debt orginating in 2000 (July 2000)with a write off date of 2001 (January 2001). From what I can find online the statute for limitations for Vermont is 6 years. How do I respond to the court and lawyer of the company with this information as it seems to me the statute has expired and a suit is not possible. Aso when does the clock start running on the statute when the last payment was made and the account comes 30 days due or when it is written off and sold to a collection agency? tim

I have payday loans with internet providers would like to find a way to pay them off.

Hey does anyone know if this lender is legal/licensed

I have an old Best Buy credit card that originally defaulted w/around $500 total debt. It's now been transferred between CA's for the last few years, and has ballooned to around $1200 w/fees and interest. I am able to pay this now--however how should I go about this? Should I contact Best Buy and ask if it can be paid thru them in full, or should I settle w/the CA? Can Best Buy still accept $ from me, if the debt was sold to the CA, or do I have to work w/the CA? Thanks again! -Debt King

If I work out some type of deal with either the OC/CA for paying the debt, can they remove the entire mark from the credit history--or does it have to remain? Also, if you settle for a certain %, instead of PIF, can you work out a deal for the entry to be removed in my credit history? Many thanks! The Debt King

Needed a general subject line to make sure everyone views this. I need help. More specifically it's regarding re-aging debts w/original creditors (even more specifically, credit card debts). I have a credit card (BOA, used to be MBNA) that was opened in 1998. For the first 6 years, I never used it until I had some identity theft problems that caused me to charge on it.

I went through annualcreditreport.com to pull up my reports today, because I'm planning to apply for a loan next week. Seems like a simple task, right? So far, Equifax says they can't provide the report online 'for my protection'. OK... I don't have a fraud alert or security freeze on my file to my knowledge. On to the next likely source, TransUnion. TU wants me to confirm my identity using address history, account numbers, and SS number.