LendingTree / loans?

[jeffs42885 10+ year member]

I got myself in to a bit of trouble with credit cards, i owe like 5g's..and they aren't past due or anything but im sick of paying interest and also, this is 5g's to two differnet cards so im paying two payments per month.

does anyone have experience with lendingtree, or consoldiating debt into a monthly bill via a loan? what would i need for this..

im 21, have a steady pt job that pays 1200+ / month, and i live at home, have a car payment, and student loans..my fico score is 620 last time i checked...i have never missed a payment on any of my credit cards.

Does anyone have real lots of experience with this kind of stuff? I need help ;(

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[Davie06tC 10+ year member]

you are for sure better off by getting a loan and paying off those cards. Credit Cards + interest + min. payment = you will be paying it off for like ever.

For now i would suggest that you pay the min. payment+the interest. It will go down alot quicker.

Do a search in google for lending tree, any bad about it should come up heh. 5g is not alot of money altho with your student loan,car payment etc it sure seems like it is.

But yeah, look into a loan, seek out the interest rates etc and get er done.

 

[Davie06tC 10+ year member]

oh and btw, if you do pay them off, make sure you keep them free of debt again. if i were you i would atleast cut one of those cards up and never use them again.

 

[kombat96 10+ year member]

Do not use lending tree, they actually lower your score, by sending your app. out to many banks and everytime you apply for a loan or anything of that nature it lowers your score. call the cards and see if they could freeze your accounts, tell them you are having a hard time making payments. sometimes they will freeze your cards and help with interest.

 

[Mr.Tunner Lee]

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Regards

Mr.Tunner Lee

 

[Twistid 5,000+ posts]

Touche Mr. Lee