Need card/cash advance. Any updates on mini app sprees?

[nibanike]

Hi All. I've been on CB since almost its inception, but haven't been active for a few years. I'm in a position where I need some credit immediately, and ideally with a cash advance option. My scores hover around the low 700's, and my only credit (since I BK'd early 2012) is a car loan @ 4.88%, Kohl's $1,000 with $0 balance, and $70K in student loans-in deferrment.

 

I'm contemplating doing a mini-app spree, but need places that won't look for income verifications. When I BK'd I had Citi, Cap1, Barclay's Patelco, DCU, and all the old standards from app sprees back in the day. Many had $0 balances when I filed, but of course, they all closed on me nonetheless. I'm looking for suggestions as to where to start over ASAP.

 

Anyway, long story short, I'd had a health crisis, ran through my retirement/emergency funds, and was just getting back on track by starting a new business in May. I landed a good size client almost immediately with a 1 year contract, and they pre-paid for social media content and marketing services for May, and did the same in June. Well July came, and no payment. I talked with them, and they assured me that they were having a tough month, but would pay both July/Aug on Aug 1, and that in good faith, I could just come in and pick up the check. I went there Aug 1, and the owner was super nice, apologized, and said, "I'll get everything to you on Friday. I apologize for the delay, and understand if you can't do any more work until you get payment." Well, that Friday, I received notice of their biz BK in the mail, and they included what had been due in July, along with Aug/Sept "contract buy-out" costs. That left me in the lurch to the tune of $9,450 ($3,150/mo.) I'm soooo tapped out, and cannot ruin my personal credit over having $0 income temporarily. 

 

Right now, my car note, utilities, insurance, student loan, cell, etc, are all current. I'm going to hustle for new clients this week, but I'm a hot mess, as last month I only made $1,300, and my rent is that alone--of which I haven't paid October! Ugh.

 

Temping in the next few weeks isn't an option--I'm better off finding a $1-2K contract doing Messenger Marketing by developing a promo chatbot for an area restaurant, car dealer, attorney, etc. Thoughts, suggestions???

[shifter]

I'm sure you know the number one rule of credit is get it when you don't need it, not when you're already behind with no cash in the bank.

 

With no currently open CCs and a BK on your reports, you're looking at toy limits if you can even get anything. Starting to build credit from where you are is a 6-12 month process minimum. 

 

Your best bet is to hustle and find some business to make ends meet. 

[Konrad2012]

Sounds to me like you want to fudge your income statements, cash advance funds and then eventually burn your creditors. 

 

I don't think you'll find a lot of love here for that scenario. 

 

Best of luck to you 

[nibanike]

I got another small contract and I'm now current on my bills.

 

BTW, wow, Konrad 2012, way to be judgmental! After having been away from CB for a few years, if your comment is any indication of who is using this board now, I many not want any part of it. This board is meant for helpful advice, not negativity.

 

I am trying to KEEP my good credit, so I have no intention of "burning" anyone. As a new biz without a Paydex score yet, and not having 2 years taxes to show self-employment, I was simply looking for a card that didnt' require income proof on the spot. I only have a Kohl's card $0/$2,500, one year left on a car note, and student loans. If anything, I am super-conscious of having as little debt/credit as possible EVER, after going through a medical BK in 2012, and having a major heart surgery since that time. 

 

I was looking for a small float to ensure that I could cover any payment(s) due prior to receiving my first check on a new contract with a state university (already signed). The work doesn't begin until 11/1, so I can't submit my first invoice of $6k until 11/30, which will likely mean my first of 12 payments won't drop into my bank account until mid-December at the earliest. In my field, it's typical for clients to pre-pay the first month, but the State ONLY operates on a reimbursement basis, which will put me out over 8 weeks. 

 

 

[hegemony]

you could get a job?

 

do you own anything you can sell?

[nibanike]

7 hours ago, hegemony said:

you could get a job?

 

do you own anything you can sell?

Hi Hegemony--another CB lifer!! :-)  I've been dummy-ing down my resume, in hopes of even a temp job. I'm trying the dual track route right now--immediate cash of pitching a few small and sustainable social media contracts, while trying to find something with benefits. If I land a regular job, I'll do the contract work at night and weekends, because every $ generated will help. 

 

I'm probably over-reacting out of stress--but I'm not about to trash my credit by getting a 30 day late on a car payment--that's what it's come down to. I called Ally (car) today, and they will let me pay $300 next week, tack the other $200 onto the end of the loan with no fee, and then I'll have to find a way to get the $500 for the regular Nov. payment. I was hoping they'd put a full payment on the back end, but that was a no go. I'm just going to keep pushing along and try to bounce back ASAP, as I don't have family to turn to--they've always come to me!