Rebuilding credit

I have never heard of this.

quote:

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She tells me about this loan that I can get, but I only get the money after I pay the loan off.

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it pretty much sounds like that is just buying a higher credit score

This is a bit strange. I'd get it in writing, then take it to a competitor and see what they think.

If it's legitimate they'll bargain with you. If it isn't legit you probably won't get it in writing, and you should have a talk with this person's supervisor.

With all due respect, I suspect you misunderstood something. I don't see how someone can report your performance on a loan if they didn't give you the money ahead of time. That wouldn't be a loan, would it?

I def need help. Score got bad, because while I was int he Military my fiancee was spending my money on herself and another dude. Got it a little higher. But I have no way to raise my credit score. Don't want to fall into the credit card trap, and car is paid off, not in a rush to get into another payment trap for 6 years.