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    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #21

    Jul 15, 2009, 08:41 AM

    What are you even talking about? Do you work for the state? Why is the governor of Pennsylvania holding your check - which, if you are not a government employee, he has no power to do?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #22

    Jul 15, 2009, 08:44 AM
    Quote Originally Posted by HotPotato2009 View Post
    My credit isn't that bad. I can get a loan for my job because they are not paying us for a while.
    Hello again, H:

    You're dreaming... "That bad"?? It's either bad or good. There ain't no middle ground. IF you have ANY bad debts on your credit report, your credit is BAD. NOBODY will lend money to someone who doesn't pay their bills.

    excon
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #23

    Jul 15, 2009, 08:47 AM

    Yeah I work for the state. I don't know why their holding out checks, but there is really nothing that we can do about it. They told us that we can apply for welfare, food stamps, and a loan until then. The governor said that he contacted several banks and credit unions to work with us by giving us a loan.
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #24

    Jul 15, 2009, 08:48 AM
    Actually excon I know of some people that don't do credit checks. Which makes it easy for people to get loans
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #25

    Jul 15, 2009, 08:50 AM
    Quote Originally Posted by HotPotato2009 View Post
    Actually excon I know of some people that dont do credit checks. Which makes it easy for people to get loans
    Are you joking? Please tell me you're joking...

    The only people who DON'T do credit checks are crooks themselves. They give you a loan with a sky-high APR, you end up not being able to repay and they screw up your credit even more.

    How old are you? 16, 17?
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #26

    Jul 15, 2009, 08:55 AM

    No I'm 22.

    If you go online and Google payday loans you will see that some of them say no credit check or bad credit accepted.

    I personally don't apply for these kinds of loans but I do know of people that do (that have bad credit).

    Whether my credit is bad or not I'm still going to at least try to apply for a loan at a credit union because I'm going to be broke for god knows how long and I have home bills to pay for
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #27

    Jul 15, 2009, 08:56 AM
    Quote Originally Posted by HotPotato2009 View Post
    No I'm 22.

    If you go online and google payday loans you will see that some of them say no credit check or bad credit accepted.

    I personally don't apply for these kinds of loans but I do know of people that do (that have bad credit).

    Whether my credit is bad or not I'm still going to at least try to apply for a loan at a credit union because I'm going to be broke for god knows how long and I have home bills to pay for
    That's right. You're 22 but somehow landed a government job without any background experience.


    ... can you hear me smirking?

    EDIT: And "payday loans" are exactly what I was talking about. The more you type, the harder it is to believe anything you say.
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #28

    Jul 15, 2009, 09:00 AM

    What's that got to do with anything??
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #29

    Jul 15, 2009, 09:13 AM

    I don't understand why you have to be so rude
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #30

    Jul 15, 2009, 09:13 AM
    Quote Originally Posted by HotPotato2009 View Post
    Whats that got to do with anything????
    You're 22, you claim to have a government job yet you have no experience... do you realize the odds of that actually being true?

    You think your credit is "goodish" and want to get an even crappier loan because you think it will help you. You have accounts that show you owe money to numerous collectors but don't think your credit is "that bad."

    You have no idea why you need collateral for a loan or what to even give as collateral. You don't understand APR by your own admission.

    I'm only 2 years older than you and I find your entire story to be unbelieveable.
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #31

    Jul 15, 2009, 09:17 AM

    Well you know something, it doesn't matter what you think. You can believe what you want.

    Don't know how many times I have to tell you that I don't have a government job, your stupid.

    Maybe if you watch the news you would see some info about the budget impasse here
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #32

    Jul 15, 2009, 09:19 AM

    Oh and its called Temp. Clerical Pool. That is how I got the job for the state. You don't have to have experience for that.
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #33

    Jul 15, 2009, 09:19 AM
    Quote Originally Posted by HotPotato2009 View Post
    Yeah I work for the state.
    Quote Originally Posted by HotPotato2009
    Don't know how many times I have to tell you that I dont have a government job, your stupid
    ... and you say I'M stupid? Oh my, I can't stop giggling.

    If you work for the state, you have a government job.

    I smell a troll, what does everyone else think?
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #34

    Jul 15, 2009, 09:20 AM

    Working for the state and the government are 2 different thing
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    HotPotato2009 Posts: 706, Reputation: 15
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    #35

    Jul 15, 2009, 09:22 AM
    Maybe in your state it's the same, but here its not.
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #36

    Jul 15, 2009, 09:24 AM
    Quote Originally Posted by HotPotato2009 View Post
    Maybe in your state it's the same, but here its not.
    It's the same in every state. And just because your state is having budget problems - just like mine is - they're not allowed to keep your paycheck for services you provided. If you got hired through a temp agency, you'd be the first to get fired.

    Your assumptions as to how the world works are absolutely mind-boggling.
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #37

    Jul 15, 2009, 09:26 AM

    How about you come over here where I live then, and you will see that we have no control over what is going on. And then you will be feeling pretty dumb
    this8384's Avatar
    this8384 Posts: 4,564, Reputation: 485
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    #38

    Jul 15, 2009, 09:28 AM
    Quote Originally Posted by HotPotato2009 View Post
    How about you come over here where I live then, and you will see that we have no control over what is going on. And then you will be feeling pretty dumb
    Not really.

    I would feel dumb if I was pretending to know what was going on and insisted on continuing to make a fool of myself...
    HotPotato2009's Avatar
    HotPotato2009 Posts: 706, Reputation: 15
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    #39

    Jul 15, 2009, 09:31 AM

    Whose pretending?

    You must really get off on being rude to people huh?
    excon's Avatar
    excon Posts: 21,482, Reputation: 2992
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    #40

    Jul 15, 2009, 09:32 AM

    Hello again, H:

    Let me see... You're in California, and you're being paid with IOU's, and you want the bank to loan you money based on that.

    I'm just guessing, but I think the bank should credit your account with real cash if you deposit your IOU. But, I understand some banks don't want to DO that.

    However, in terms of your getting a loan from a payday loan place, I wouldn't. The interest rate will KILL you. It's around 375%. Ever hear of anything so outrageous?

    And, no, they don't do a credit check. But, they HAVE your check made out to them, and if you don't pay, they'll prosecute you for writing a bad check, and/or they'll sue you which will add to your woes...

    You DO know, that you're going to have to write them a check that they'll hold till payday, and then cash, BEFORE you get your loan. You didn't know that?? Cool. Now you do.

    excon
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