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Bad Credit and
Personal Loans
=Bad credit and the personal loan: the sequel. I say 'sequel' 'cause
that's how this sounds: like a title from a bad movie, or worse
-yes, the sequel. And sadly, that's what it is: a million times, all
over these United States there are gobs of us trying to get personal
loans under an umbrella of bad credit.
So why do we do it? Well, putting the beer bong down for just a sec,
I have to say the most obvious thing that comes to mind: MONEY!! We
love it, need it, dig it, (and bury it when we're smart), and yes,
the most enjoyable aspect of all: WE SPEND IT!! Of course, after
it's spent, we feel like a fresh pile out in the yard and -wangdang-boorang!-
gotsta' get some more.
Personal loan, anyone? What bad credit? No, really, what's bad
credit? Okay, I haven't paid that much attention, or that many
bills, for that matter. 'Cept when they turn off the gas or
electricity, then you're damn skippy I hop-to and me and my
room-mates collect the cash, pay the Man, and make a stop-off at the
package store. Love that liquor.
But a loan would be nice. Do I have to pay that back? What about
options? Don't know what they are, but I know that I want some. What
about insider trading, does that have anything to do with it all?
Damn, I love movies. That Denzel kicks ass.
Still there? Still reading? Wow, you've got a lot of time on your
hands. Or patience. Or maybe you're hoping this piece will get a bit
more serious, offer a bit of wisdom, some pearl, tidbit, or
something rhyming with all of it.
Okay, here goes. Bad credit? Need a personal loan? Looking over the
scrap of paper dragged from out of the cat litter box, I see it's
from the Crawl Street Colonel. A fine rag with good advice, I'm
sure. The caption reads "caveats to avoid include watching out for
the ol' quid pro nuthin' scam..." and I believe 'em. I love those
ads: "Bad credit? Need money, a personal loan? Get it now, for
nothing! No credit check!"
No credit check? Well, I'm here to tell you that even I know better
than that. The simple truth is that the less work you have to do to
get a personal loan -especially with bad credit, the more hassle
you'll have in the end.
Beyond that, read the fine print! (We all know this, don't we, and
yet, we never read it. There's a reason it's so small -think about
it.) Again, I don't need to drink everything in the bottle in my
hand to keep the genie of the bottle from drowning so's I can ask
him a question. Let's face it: the easier the task, the smaller the
fine print's gonna be, and the higher the interest rate.
Think about that: less work now, and an infinite amount of more work
later. That translates to less booze, fewer parties, more headache
and going to work with hangovers when you could be sleeping it off
(and which friend did you borrow some scratch from so you could get
that hangover -didn't sign anything else last night, did you? Gotta
watch you.) I don't like clichés, but "no brainer" sticks here: be
careful, no matter what you do. If you've got bad credit -a personal
loan's do-able, but talk to a loan officer, or someone who knows
what they're talking about, not just anybody you just met in
cyber-land. I'm headin' for the package store. Want anything?
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