I need to get a persoanl loan, I have been discharged form Chapter 13 bankruptcy for 1 year, I have had no new credit but have credit cards that I did not turn in to Bankruptcy, these have not been used and are just about paid off. My car is paid for. Who should I go to about getting a personal loan, Citifinancial, American General, etc? Thanks
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In the year since you've been discharged, have you checked on your Credit Reports?? Done any work on cleaning them up and getting them reporting correctly??
If not, that's where I'd suggest you start. You can go to http://www.annualcreditreport.com
and get free copies of all 3 Credit Reports.
That site is sponsored by TransUnion. If you think you might use True Credit's Credit Monitoring Service to clean up your Credit Reports, be sure and remember your User ID and password. True Credit uses the same info as TransUnion.
At least if you look at your Credit Reports and know what's there, there will be no surprises when you chat with prospective lenders about a loan.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen... -
Have you considered www.prosper.com
Don't know your circumstances, but it's one alternative to try before you try mainstream lenders.Comment
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Credit Union!!Chapter 7 Pro Se....Discharged Feb. 2006Comment
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