Here's an email I recently received from a reader:
I am looking to consolidate my credit card debt into one personal loan. Unfortunately my credit is not perfect.? Right now my credit score is 630 and I have loads of credit card dept.? I've estimate I would need a personal loan of at least $15,000.? Since I don't own a home this loan would have to be unsecured.? I currently have a car loan which I pay monthly and student loans that I have been paying on for 4 years and I have never missed a payment.? I rent and pay utilities on time.? I have a full time job where I bring in about $50,000 a year.? So would joining a credit union boost my chances for getting a sizable personal loan as opposed to going through my current bank (PNC)?
What's your advice for her?
Source: http://www.freemoneyfinance.com/2011/05/help-a-reader-getting-a-loan.html
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