Find out How to Get a Personal Loan With Bad Credit simply and easily .
Though this is not beyond the means of most individuals , even if really bad credit personal loan needs are the driving force , it does require that you 
set yourself up , and have a little patience in the waiting game .
If you have bad credit you need to establish that you are able to be a good payer , and can manage your finances in a way that make you credit worthy .
HOW I DIDI IT…..
Well it didn’t happen over night ! First off I got myself a mail order catalogue. With that I purchased small items and paid them off as soon as the bill arrived .
In 3 months , the catalogue was asking me to spend more money , and rose my allowance from $100 to $325.
Did you know that many mail order catalogues ar owned by the same company?
Then I applied to another mail order catalogue company and was accepted immediat
ely ( they were part of the same mother company , and I did the same , after paying the first bill , I telephoned them and asked what my credit limit was ( knowing full well what it was , it was on the bill) , and too my surprise my credit limit was now over $900 combined .
I had no overdraft , I did have a checking account, no check guarantee card and a cash card . The bank had already refused both a guarantee card and an overdraft , and a loan for $1000.Credit cash, bad credit personal loans are tough to get .As you know !
Now how to get cash ?
Well , that was when I applied for another 2 catalogues , and the same again , so in 5 months , I have a $3000 credit spanning 5 mail order catalogues . A quick check on the net revealed that the mail order companies also have a subsidiary that gives out a charge card type credit card , and I applied to that , and I got it , only $300 limit but hey it was a start .
Here is the clever part …. go spend on things you were going to buy anyway , but from their store , and pay that back as soon as the bill arrives . I telephoned the office …." Uh hello , I’m so rry forgot how much my credit limit was ….? " to which they replied …" how much would you like ….And so I now have An $800 limit !
8 months in … junk mail starts to arrive , with the famed would you like a credit card…I applied and got it .
Long story short 11 months in I have 3 credit cards and $2100 in charge credit , catalogue are closed and returned ( they like that ).
It is so easy , my credit report looks great, all paids ( catalogues are loan companies , each item is a loan and when you pay it off it registers a discharge ) , no lates .
The mistake a lot of people make is going wild with the credit and failing to make the full or a good portion payment early on , and getting smeared right at the beginning ,personal loan for very bad credit is so tough to get , so look for the long term it works out much better for you with a little patience !
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HIYA WHAT IT IS IVE TRIED TO GET A CATALOGUE BUT IVE BEEN RERUSED ALL THE TIME CAN YOU HELP THANKS
Hi Michelle,
There can be a number of reasons for this , including a blacklist address. If all your bills in your name are up todate with the agreements then you might have to do a disassociation with any name that may come up as a previous tenant to your address that may have bad credit history, this involves contacting a credit report company for a history of the address and then writing a letter stating you do not know this person and they are no longer at the address . This costs money and time. Try this …at your parents or boyfriends home get an catalogue , buy something small and pay off completely. Do this again. Then transfer a change of address to your current. This will establish a line of credit for your name and at your current address .Now you can continue building a credit status. Apply for another catalogue ,preferably a subdiary of the parent company and all should be fine. Be Careful of the laws that govern your state or country about residential homes, and the fine print on your application may say that they require you main residence only, if so it is not legal to obtain any credit from that company to your non residential address. Also if you do not intend to keep up payments it is illegal to obtain goods or credit by deception or if you have the intention of not paying fully, and by using a non residential address the proof will be enough to prosecute.
As you have the intention paying fully and will transfer to you 1st residential home then there is no fraud or have the intention of fraud.
If you are worried, then perhaps you could change your main residence to another address like your parents, as you will likely already have a credit history there. And then change it back to your other dwelling after a couple of payments.
I should add that it is imperative that you pay the balance in full at the end of each bill date to successfully update credit history files .
Good luck, Louis