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Sep 28, 2017 - 34 minute read

Is a personal loan a good idea

Many online lenders perform a soft credit check during pre-qualification that doesnt affect your credit score, so checking it out ahead of time is a win-win. During the pre-qualification process, you may be asked for this information: Social Security number Monthly debt obligations (rent, student loans, etc.

) Income Employers name, work address and phone number Address, email, phone number Previous addresses Date of birth Mothers maiden name College name and major. You may not pre-qualify for a loan. Besides a low credit score, reasons for being denied include: Too little income Little or no work history A high debt-to-income ratio ; below 20 is considered excellent Too many recent credit inquiries, such as credit card applications. Shop around for personal loans. With your pre-qualified online offers in hand, compare the amounts, monthly payments and interest rates.

Is a personal loan a good idea

I believe I should take Ch. If so, will I have to pay a large amount for the bankruptcy services. I live in Tennessee and saw a bankruptcy attorney last spring. He said I would have to go Ch. 13 and pay his firm 675 per month to manage my bills. I couldn't afford that amount. Thanks, in advance, for you advice.

Linda, you're in Tennessee and I'm in California. There's no way I can advise you since much about bankruptcy depends on the specific state and court.

Is a personal loan a good idea

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