I’m wanting to fix my credit as I’m getting married and want to buy a home in the near future (2 years is my goal, and the family property is …. 420k)
I currently have some things in collections and a very bad car loan 29.99%
I’m thinking about trying to get a personal loan from a bank with a co signer to pay down or pay off the car loan so i can sell the car buy something cheaper and pay down / off old debt to make it current….
I have a truck I own free and clear but using that to secure a loan is unlikely as it has a branded title and is an older truck 1999….
(the truck is not a daily driver due to cost of use 8mpg)
I’m trying to avoid CCs until i can get a decent one
also two of my bad debts are capital one and credit one….