pledge assets as collateral, credit score is irrelevant. have any cds, stocks, bonds or mutual funds you have owned more than 30 days….you can get a good rate and credit score is not a consideration because you have a backing to your loan.

A cosigner is usually for not enough credit history or not enough income to qualify for a loan. A cosigner with excellent credit may not be enough to overcome a bad credit score.

Talk to the lender and ask if a cosigner will help you get the loan.

If you’re drowning in debt and need help, it is best to act and develop a debt management strategy. The first place to start is to lay down your debts in one place, has less interest. This will reduce your monthly payments and pay off your debts faster.http://factoidz.com/debt-consolidation-loans-an-effective-way-to-manage-your-debts/

this one is easy
they have a listing of banks and lenders put together for you

Realize that an unsecured loan will come with a higher interest rate than that of a second mortgage on your home. Ask yourself why you are trading one loan for another if not for a great savings in the overall interest rate you are paying.

Hello my dear do not full prey to those hoodlums at they that call them self money lender they are all scam, all they want is you money and you well not hear from them again they have done it to me twice before I met Mr. Brown Wilson the most interesting part of it is that my loan was transfer to me within 72 hours so I well advice you to contact Mr. Brown if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email
They offer all kind of categories of loan they
Short term loan (5_10years)
Media term loan (10_20)
Long term loan (20_40)

they offer loan like

Home loan!!!!!!!!!!!

Business loan!!!!!!!!

Debt loan!!!!!!!!

Car loan!!!!!!!!!!!

Student loan!!!!!!!!

Business start up loan>

In theory, yes. In practice, it would be impossible.

You can still be turned down by them. They don’t offer it to everyone with bad credit. They don’t want to see any late payments at all which is kinda crazy. My sister applied and they told her I see you were late with your credit card payment twice but that was years before so they can still deny you.

I agree, you need credit counseling: NFCC.ORG

Debt consolidation is generally a rip off, meaning it doesn’t really exist for most people. It tends to make the problem worse, not better.

Look at is this way: If your problem is debt, more debt is not going to solve the problem.

Let me give you a wake up call: the general rule of thumb for unsecured debt is maximum of 10% to 25% of average annual income for the last 2 years. Many people are “in trouble” now, because the “banks” allowed people to go way beyond these rules for a few years. Now they are pulling back, hard.

To get $140,000 unsecured in most cases you would need an average annual income in the $500,000 to $750,000 range.

If you don’t have perfect credit (FICO 760+), your odds of getting any good (rate) unsecured loan in excess of 20% of your salary are close to zero in the current credit market.

My name is Rose and saw your question so i said i should give you a hint, i think you should try one of those micro finance organizations they will direct you on what you need to do, i have used one of them before and there interest rate is okay, its creek line micro finance company, here is thier direct email link:

Beware of those lenders from africa!!!!!!!!