BAD CREDIT HELP – Instant bad credit loan

Question by Chance: I have bad credit: Can i still make monthly payments with dell?
I’m looking at buying a laptop computer from dell. If I have bad credit, will I still be able to do the monthly payments without completely outrageous interest, etc?

My main question is: With bad credit, will a dell preffered account still allow me to make monthly payments on a laptop/computer? Or no?
I do NOT already have a dell preferred account by the way.

Best answer:

Answer by Tisha
Since you already have the credit with Dell, it would seem that you can extend your credit further. And yes keep those payments up and your credit will go up. Also, try to add a little more to the monthly payments, ALL creditors really like that.

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Question by bynam: How to handle bad credit debt thats almost 10 years old but it still shows up on my credit reports?
I have atleast 4 major credit debts that was in the early 90’s i thought bad debt only remains on your credit for no longer than 7 years its almost over 10 years but they still show up on my credit reports. Is there anything I can go legally to take those off my credit history, Specially now that I am trying to rebuild my credit.

Best answer:

Answer by SPIFIMAN1
You need to dispute these accounts with all 3 credit bureaus stating the per the Fair Credit Reporting Act these accounts are to old to be listed on your credit report.

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Question by MLE: If I consolidate my student loan with a personal loan can I still write off the interest?
I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interest. I am considering paying off that student loan with a personal loan where I can get a better interest rate. If I do this will I still be able to write off the interest I pay on my taxes?

Best answer:

Answer by bostonianinmo
Nope. It will no longer be a student loan then. You may be able to consolidate several student loans into another student loan at a better rate, but if you pay it off with a personal loan you’ll be left with a non-deductible personal loan.

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Question by Andrew M: Is student loan still tax deductable when refinancing a student loan with a personal loan?
My daughter has two very high interest student loans. Her credit won’t let her do anything, but I can “refinance” it with me getting the loan using my credit. But is it still a “student” loan that she can deduct. She is making the payments and her name will be also on the loan (ironically, she will co-sign for me). This seems to be some gray area once the loan gets moved around. Just want to make sure the “chain of custody” still makes the new loan interest tax deductable. Hope this made sense and thanks for your help.

Best answer:

Answer by PepsiLime
Nope, sorry, but personal loan won’t qualify, as you will have nothing in writing to say that it is student loan interest.

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