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You can try to explain either in writing or in person to the loan officer what has happened. Show a little proof of what happened and a little more proof that everything is better now. Expand alot on how your credit was before everything happened and how you don't intend to go behind again. DO NOT EVER Say " that I just didn't care or I was too young at the time"--bad-bad-bad... With the bill consolidation, show how this will put you in a much better situation--as you won't be paying as much you are paying right now. Stay positive. Good Luck!!

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Q: Is there anything you can do or say to up your chances in getting a consolidation loan?
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Related questions

Where can one find federal college loan consolidation?

One can find Federal College Loan Consolidation at several facilities of the Federal College Loan Consolidation located at different outlets of Federal College Loan Consolidation.


what about people on diablity?

what are the chances of getting a peronal loan?


How does bad debt affect your chances of getting a loan?

A bad debt can affect your chances of getting a major loan such as a house loan. Bad debts lower personal credit ratings and banks are opt to reject loan applications because of this.


What are some reputable debt consolidation companies in Canada?

Consumer Counseling Credit is a reputable debt consolidation company in Canada. You could also try going to bank and getting a personal loan or a home equity loan.


How easy is it to get a debt consolidation loan?

I have learned there is really no such thing as a consolidation loan anymore. The banks and other loan agencies do not carry this particular loan anymore.


Where can consolidation loan rates be compared?

There are several places one can compare consolidation loan rates. These websites include Bank Rate, Loan Consolidation, Lending Club, FinAid, and Lending Tree.


What are the student loan consolidation interest rates?

As of July 2010, you can get a student consolidation loan through the federal government. The interest rate can range from 6.62%-8.25%. 8.25% is cap for any student loan consolidation.


Which companies help you save money plus assist with loan consolidation?

Some companies which help you save money and assist with loan consolidation include Wells Fargo and FinAid. You can get help with your Loan Consolidation from their websites.


Where can I find information on student loan consolidation?

During this period, borrowers who make payments separately from your federal loans to one or more lenders (loans are settled before a management entity loans) may be eligible for a Special Loan Consolidation Direct Loan Program. A Special Loan Consolidation Direct Loan Program offers borrowers repayment and benefits than those of a Consolidation Loan Direct Loan Program. Special Loans Direct Consolidation Loan Program also have a separate application process. For more information about Special Loan Consolidation Direct Loan Program, visit the Special Loan Consolidation Direct Loan Program. For more information about Conventional Loans Consolidation Direct Loan Program, visit Loan Consolidation Direct Loan Program.


Getting Out Of The Hole With Payday Loan Debt Consolidation?

Payday loans can be very dangerous and they can really add up over time. If you are sitting with a bunch of payday loans that need to be paid, then chances are that you are paying a lot of fees. This is likely to start a terrible cycle that will trap you as you go. So how do you bust out? One way is to get a payday loan debt consolidation deal. This will pay off your payday loan and give you one loan to work with. It will bring down your payment amount and will bring down your anxiety level, too.


Does the Higher Education Act provide for student loan consolidation?

The Higher Education Act does provide student loan consolidation under the Federal Family Education Loan and Direct Loan programs. The loan consolidation may lower interest rate and extend the amount of time to repay.


Where can one get a loan consolidation?

You can receive a loan consolidation by contacting your local bank or credit union that you use and inquiring about consolidating there. You can also check websites online such as Wells Fargo and the Loan Consolidation website which is government run.