| Unsecured personal loan, no credit. |
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cduval
Member
Cash: $ 1.15
Posts: 19
Joined: 05 Nov 2006
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| Unsecured personal loan, no credit. |
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Problem: I have no credit and I want my credit to be above average. I don't want small purchases from credit cards or cheap payday\cash advance loans or small $1000-$2000 loans or a car loan on my credit (Car = car payment, car insurance payment, gas, ect). The only credit card usage I want on my credit is with a high class professional business card with travel benefits, big limit, everything. All bills paid early, all loans paid off early AND early payments, early payments on my business card, early car payments\early pay off on a car loan when I get it, you get the picture.
So what I need is an unsecured personal loan for people with no credit. I found some already but I'm looking for more...looking for that "for sure" good place to apply.
See I've got $1500 per month extra income left over with $0 in bills and $0 cost of living for however long I need to launch my career as a webmaster. (Loan is being tooken out as personal instead of business for personal reasons) This gives me plenty of money to make the payments, I can afford to pay the loan off EARLY, I can prove expected profits from the site I'm opening, I can afford a high interest rate, I have good previous work experience (I'm 21), and am worthy of approval. The problem is I need a place who will understand and accept "No credit" and not suggest I go get a small credit card or a car loan or anything else. I purposely choose to remain with 0% debt to income and $0 cost of living to benefit. I purposely choose to live at home to benefit my finances, options, credit, future, career, ect.
...Any suggestions as to how in the h*** I'm going to get this money? I need $28,000, 3-4 year contract, can afford a high interest, loan will be paid off early (with proof).
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Wed Nov 29, 2006 4:57 pm |
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coaster
Senior Advisor
Cash: $ 1355.60
Posts: 6675
Joined: 11 Oct 2005
Location: Wisconsin
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Cory, to be quite honest, this sounded kind of screwy at $25K the first time you posted it and it sounds even screwier at $28K. And if I'm skeptical, a lender is going to be, too. You're proposing to misrepresent your purpose for the loan? A loan is a contract and misrepresentation is breach of contract. That's not going to do your credit any good. You're going to have the cash to pay the loan off early? If it's legitimate and a sure thing, then why not tell the lender? You want first-class credit and a professional credit card with all the perks? You have to earn it. The only way to earn good credit is with a flawless credit history. And history takes time. Sorry, but I don't have any easy answers.
~Tim~
Eye Candy : Why Whimsy
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Thu Nov 30, 2006 3:02 pm |
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