| My
True Experience With Bad Credit Loans |
This Is My Experience In My Own Words
and not something put together to convince you to give me your money
I Was Looking For $5000 for more than a year now and was willing and
still willing to pay high interest rates , this is what I
know
If you have bad credit in Canada and you are looking for a
Bad Credit Loan , there is no if and buts it is not possible, People
will try to tell you yes , but I can tell you from experience it is
not true ( Only In America) only things that are possible are pay
day loans and Car Loans, when you borrow a Pay Day Loan you will
never stop borrowing, just think of this, let us just say $300.00 to
start , interest is $90 in 2 weeks you pay $390 , now your budget
get a hit by $90 so you go out and get $400 to cover that $300 and
the $90, now you see where I am going with this?
Car Loans are very easy actually I do get one myself with no
money down all it takes is my 1987 Chrysler Daytona for a 2007 Hyundai
Sonata all you need is a good job and 6 references, a bank Account,
Picture ID and that is pretty much it....
How To make a very bad credit good? Take it from me because I do
start the process
Step One ( A) Get a Secure
Master Card from Peoples Trust (I am not Affiliated With Then So
easily search The Web)
You Can Actually Get A secure Visa From CIBC ,but you have to apply
first and get turn down and then bring that letter to a branch in
order to get one for Minimum $500 , ATB Master Card You have to Put
Out $750 to receive $500 Secure Card, If you are in Vancouver well
you can go into a Vancity Branch and get one , Home
Trust in Toronto you have to put out $1000 and if you are trying to
rebuild credit well then $1000 is a bit much for 1 card , Capitol
One well it do nothing for your credit when it show up on your file
creditors know this is a rebuilding or new credit, Home Trust is the
same as Capitol One So stay away from them.......
Step Two I have A car Loan , Master
Card From Peoples Trust and A Visa From CIBC , now the waiting
begins for the purging from the credit bureau Tran Union and Equifax
, I read it before and I do not know for sure if it is true or not ,
but I was told after 6 months your credit will go up , but then I am
still waiting for my free credit report in the mail......This is a
good start for us who has bad credit so please do not mess this one
up keep it simple $500 limit even if things get bad in the future
and your card are all max out 3% of $500 is $15 and that is a small
price to pay until you get back on your feet ,well 2 Cards $30 as
bad as things are we can all afford that
Please do not try those website that said 30 days free credit monitoring
service, I do try it and in exactly 90 second I try and cancelled it
because it take you to Trans Union and you will have to pay $15 to
Trans Union and $30 to them after 30 days , if you have bad credit
well I see no point in some one telling you what you have already
know.......
If you want a Pre Paid Master Card BMO is the only way to go , yes I
have one as well I paid only $10 and I transfer money from my
account to buy things on line and money is there instantly , if you
do not have a BMO account you can still get one and the good thing
is they do not nickel and dime you as other prepaid do and they bill
you for the $10 on the card , I did have a pre paid once and I buy a
Grey Hound Bus Ticket Over The Phone going from Calgary To Vancouver
and ask them to mail the ticket to me and give them my address, well
they take the address from me and mail the ticket to Toronto and I
am sitting Calgary waiting for the ticket, to make a long story
short Grey Hound Customer Service Told me That they mail the Ticket
to the Address that is on the Card , I ask the question well then
why would I have you mail a ticket to Toronto and I am going from
Calgary to Vancouver and back , what address do you have for me?
well you did give a Calgary Address , but our policy only allow us
to mail to the address that the credit card is billed to, well then
no one ever said that to me I would be very brain dead to travel 2
days and 6 hrs on a bus to pick up a ticket and then do it all over
again and come back to Calgary and go that extra 10 hrs to Vancouver?
well sir I apologize to you for that , well can you cancelled the
ticket and give me back the money? well you would have to mail back
the ticket to us, well the next thing that woman herd was click
because that conversation was not going in my favor, well I call up
the card company and tell them about my situation , well that call
was $2.50 to get the address change and then for them to get my $120
back for the ticket I have to go and get this and get that and for
this it will be $5.95 and for that it will be $9.95 and it will take
6 to 8 weeks for processing , well I just drop the card in the
rubbish and call it a lost.
Applying for a Loan from so call loan company on line as
a Canadian most company will ask for money up front , do not pay no
money up front all service fee would have to be included and if they
insist it is a scam, I did apply about a month ago for a loan and
get call about 3 days later from a international number and the
woman told me that they are base in Kingston Jamaica so she start
reeling off information to me and how much interest I will be
paying, well she said interest rates was 4% and they are Emerson
Financial , Well I know Jamaican Very well if they want to rob you
they will not scam you they will come with a gun and they are very respectful
nation (Blue Mountain Coffee WOW Good Stuff ) well I did have to get
that in there, now then when she told me that I knew she was trying
to scam me , but I told here to send the info to me , so I look at
it and taught to myself some one do not know me all they have is my
name and phone number willing to give me $10,000.00 for 5
years and all they will get is $1200 interest in 5 years? something
is wrong with this picture, she did call back and give me my
options, car title, 3 months payments up front or buy insurance ,
well I pick insurance so I get the info and when I look it over she
call the next day , I told her that I do not have that money at this
time, well I still get another option I can pay half now and they
will take the rest from the loan , I told her let me think about it
, you call the next day and I will give you my answer, she call 2
times every day for a week and for a moment there she starting to
get Hostile in her messages so I saw a international number calling
my phone I taught it was my girlfriend so I answer the phone,
Jamaican area code 876 , but this number show up as 011 that is why I
answer the phone , I told her I think I will pass so she said ok and
that was it.......
Then I did apply again and 20th December 2009 I get a email with a
800 number from a company in Colorado
Universal Choice Lending
Suite 202 E. Evans Ave Denver, CO 80224
PHONE (888)-617-3330 ext 7989
FAX (720) 294 0879
Christie Blair
Ladies and Gentlemen This is the same person that I
have spoken to before who said that she is with Emerson Financial,
well when you lie you never remember , but when you lie to , you
never forget........ How these people work it is not hard to fallow
their pattern, remember this , when they get your money and you call
them , let us used Christie Blair for example , let say you are
waiting for the money and you call the number above and the extension
and she answer ,( I did actually and she put me on hold for
about 5 min and I hung up the phone , may be she recognize my voice
) The very same person that you want to speak to will actually tell
you that , he or she is not there and try to convince you he or she
will return your call and that call will not come....
Some immediate help is needed I was looking for $5000 to get
married , but now I know from experience it is not possible so if
for any reason I can get a Air fare to Sierra Leone from Calgary
Alberta on BMI and I pay in monthly payment that would be great ,
the price range from $2020 to $3000 , this is a long shot but I need
it for March2010 , well I do get ideas on how to raise the
cash , but I will not do it because it is not rite , much more needed
person can benefited from it so I will ask for donations, any
thing would and will help so if you have $5, $10, $15 or $20 to
contribute to my cause please feel free to send it with the button
below , you can do as much as you like in increments of $5
Thank You.......
Make
A $5 Donation Here
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Make
A $5 Donation Here
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