I have been workig similar to ruin to correct it. No make the difference how most bills I compensate off of my credit inform my rating stays low. How do i get the tiny commercial operation loan or financing in this situation?
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don’t know, im srry
try prosper.com
Get a partner.
You will have to repair you credit first and to do that you should buy a book or two on it. There are lots of good ideas out there on how to do it.
Sadly, causing harm to your Credit score is not something you can fix overnight. Some of the items which can adversely affect your credit score can take up to 5-7 years to clear off of your credit report.
All I can say is try to pay off whatever you can at this point , but do not get rid of the credit itself. Also make sure you make all payments on time, even if it is only the minimum.
THere are companies that will lend money even if your credit is bad, but be aware that you will pay higher interest rates if you do it.
I personally recommend gettting your current financial situation in order, then look at getting more credit.
Start with a business plan at
http://www.sba.gov/starting_business/planning/basic.html
and then start to look at outside investors.
http://www.nohasslebargains.com/loan/financing.html
Even if you have pristine credit, getting financing for a startup company is tough. Your best bet is to borrow the money from someone who loves you.
Beyond that, it really all depends on you, the business, and how much you are looking for.