r/badcredit

We are currently working on paying past debt off to build my husband and my credit but our score is still terrible. He is a disabled veteran so our income is very stable. His service dog took a bad turn and with the cost of vet bills and having to put her down it has really taken a toll on on us mentally and drained our bank for the month. We are just looking for something small $700-$1000 to help us. I feel like I’ve googled so much but nothing approved or looks to sketchy to apply. I was going to do some deliveries to bring in some money but I’m so drained I don’t think I’ll be able to for a few days 😞

Use this post to keep each other updated on when you receive your card!

Only update I have:

They changed the card on the way to card pending

So they knew they shouldn’t have lied and told us that.

Due to years of my ex wife using my line of credit for anything and everything she could. Now I'm in need of a small $1,500 loan and haven't any idea where to look.

I've tried Cash Net & One Main and was denied. Aside from going to a payday loan or title loan, what are options?

[ Removed by Reddit on account of violating the content policy. ]

Need advice! I was super irresponsible with my credit in the past and now have a lot of late payments, charge offs, etc on my report. The latest one is from 2 years ago, but everything has been paid off now. I have two credit cards now with $300 limits and pay them each month. I have one late payment on one of them from last fall as I thought I had autopay set up but didn't. I also have around 30k in student loans on my report that haven't started repayment yet as I've been in school getting my masters.

I purchased a car last year which ended up being immediately too small for my needs as a family with 3 dogs and a toddler. I have a criminal interest rate at 24.9% so am making little to no progress on paying the principal down.

I checked my Fico auto scores last week and they were in the mid 600s, so I reached out to a dealer to see what my options were to get into a larger SUV. I make 45k a year on paper, plus around an extra 20k in commission that can't be counted as I just recently started the job and haven't gotten paid out on commissions yet. They submitted my credit to 20+ banks and every single one denied me. I would think after a year of having a positive auto loan on my report, I'd be able to get approved for something. For reference, the new car is around 40k and I offered 6-7k down.