Credit Rating. Each and every lender or financial institution checks your credit score when you apply for a loan. The credit score always reflects your present as well as past financial borrowing history and your repayments as well. If you are having a low credit score that means your monthly repayments regarding any of your previous loans were not on time.
And when you are having a good credit score (750) then you are a good borrower and you were timely repaying your monthly EMIs. Fees and charges on the Insta Loan.
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I am laid off, will be going back to work soon I hope. In order to get by, I have been taking unsecured installment loans with very high interest rates. I have come to the conclusion that even when I do get back to work, there is no way I can afford this new debt.
My question is, I know courts frown on new debt (less than 90 days before filing bankruptcy), are they going to put me in a fraud category. My intensions are to file Chapter 13 with 100 payoff, so I will include these loans in the payback, and not ask for any debt discharge.
I'm a little scared and only making some payments (like rent, car, food, utilities), so pretty much falling behind fast.
I hope I won't go to jail for this.
If you are applying with a co-applicant, you will need their: Current address and previous, if less than two years Current employer and previous, if less than two years Annual income and any other income to be considered. Related Resources. PNC Checking. Makes your financial life simpler. Find out which checking account is best suited for your lifestyle and banking needs.
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