Help !!!
I’m a self-employed barber in California and I’m stuck in a weird financial situation that honestly makes no sense to me.
My credit scores are roughly:
779 Equifax
740 TransUnion
640 Experian
The Experian score is lower because of identity theft/fraud issues that I’ve already filed multiple FTC reports over. The person responsible is apparently in jail now, but the damage is still affecting my report while the other bureaus stayed strong.
Here’s the problem:I need about $1,500 THIS WEEK to get my car fixed from a body shop situation so I can keep working. I have income, but most of my money comes through mobile payment apps/self-employment deposits instead of traditional payroll direct deposits.
Because of that:
Cash advance apps reject me
Loan apps keep denying me
Every application just creates more hard inquiries
Nobody seems to care that I actually have income and decent scores on 2 bureaus
At this point I don’t even care about the interest rate. I just need a realistic option that actually works for someone self-employed with inconsistent bureau scores.
Has anybody been through this exact situation and found a lender or strategy that actually helped without destroying their credit further?