这种状态该怎么办

有没有什么贷款公司可以贷款的，把所有卡债归到个人贷款一个账户？Citibank个人贷款信用分在550左右能批吗？能贷多少钱


来自: iPhone客户端

Nadiaho

哇，好多哦，怎么花的？
来自: iPhone客户端

我也不知道，刷着刷着没感觉，结果就成这样了，该怎么破
来自: iPhone客户端

mandyjiejie

550 是非常低的信用，基本不会批的了
来自: iPhone客户端

chen7897

你的信用分数分数那么低 很难吧…  
来自: iPhone客户端

Avenue

即使卡债多也不会低到这种程度， 你大概有过期没还什么的。

E生huang

找林肯公司，我做了
来自: iPhone客户端

有wechat吗？问一下情况（不会问私人资信）。有没有late/missed payments? 有几次和多久？上学还是上班等... 或者我可以给你一些建议

E生huang 发表于 2016-10-3 09:20
找林肯公司，我做了

林肯? 是不是debt consolidation 然后减50-75%债那些公司？其实会英文自己直接跟CC公司谈判可能更好。

FICO622 Transunion521


来自: iPhone客户端

匿名者 发表于 2016-10-3 15:03
FICO622 Transunion521

Sorry, cant type chinese on PC.  Look, it's a little more complicated than that... First, you need to know how credit rating works.  Based on your financial situation, how long can you pay off the debt? If it takes forever, you need to decide if you want to negotiate with credit card companies now or later... The last resort is stop paying them (even try to charge/borrow as much as you can) and then negotiate with them after your accounts become delinquent - you will save lots of money this way but your credit rating will suffer for 4-7 years depend on the negotiation and how well you rebuild your credit from ground zero. On the other hand, if you can't or merely keep up with the payments, your credit rating will be in dumpster forever like it is today - so what's the point of pay these loan sharks in full payment? Because you are so irresponsible with your credit card, you might be better off with 0 credit until you learn how to be more financially responsible. In summary, you really need to do some research to understand the situation...


Another thing you need to consider is how your credit history might affect your job search (No worries if you are in NY state because  NY already banned employeer from digging the applicant's credit report).

diudiugggggg

你还需要贷款的话可以找我
来自: iPhone客户端