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When to ask for a loan from a finance company?

Submitted by on Thu, 04/02/2009 - 17:08
Posts: 202330
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Settled all my accounts.  When is it ok to apply for a small loan from a finance instution?  Credit went from 705 to 544.  Have 1 card for 6000 on my credit.  It was a school tuition purchase.  Any thoughts.  I'm saying like 1000 and pay it off quick to establish some credit.  Evev though the finance instutions are a black mark?