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    <title>Home: Message List - Need help w/financing and bad credit</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/loansandlinesofcredit?view=discussions</link>
    <description>Most recent forum messages</description>
    <language>en</language>
    <pubDate>Mon, 27 Apr 2009 15:17:32 GMT</pubDate>
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    <dc:date>2009-04-27T15:17:32Z</dc:date>
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    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68528&amp;amp;tstart=0#68528</link>
      <description>Have no fear.  call me - 401-942-3330</description>
      <pubDate>Mon, 27 Apr 2009 15:17:32 GMT</pubDate>
      <author>money4u</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68528&amp;amp;tstart=0#68528</guid>
      <dc:date>2009-04-27T15:17:32Z</dc:date>
      <clearspace:dateToText>Apr 27, 2009 11:17 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68527&amp;amp;tstart=0#68527</link>
      <description>&lt;br /&gt;
Have no fear.  There is a way.  what is you email address?</description>
      <pubDate>Mon, 27 Apr 2009 15:14:51 GMT</pubDate>
      <author>money4u</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68527&amp;amp;tstart=0#68527</guid>
      <dc:date>2009-04-27T15:14:51Z</dc:date>
      <clearspace:dateToText>Apr 27, 2009 11:14 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68556&amp;amp;tstart=0#68556</link>
      <description>David,&lt;br /&gt;
&lt;br /&gt;
how do i get in contact with you?</description>
      <pubDate>Mon, 27 Apr 2009 14:09:21 GMT</pubDate>
      <author>fundme</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68556&amp;amp;tstart=0#68556</guid>
      <dc:date>2009-04-27T14:09:21Z</dc:date>
      <clearspace:dateToText>Apr 27, 2009 10:09 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68535&amp;amp;tstart=0#68535</link>
      <description>I am also in this category.  Small local banks aren't much help with this situation.  I have been denied due to my credit score when i upfront tell them that my past credit is terrible but recent credit is much better.  I have started going through my credit information and correcting many inaccuracies that should have been removed already.  I have increased my score by 12 points so far and still no success with the banks.  I am just trying to provide a much needed Entertainment Center for my community and yet noone else cares.  I have also tried to find angel investors with not much luck except a company wanting to charge me $329 fee just to attemtpt to find a lender.  Not sure if that is a good idea or not.  This is my last hope and i wish someone would help.</description>
      <pubDate>Mon, 27 Apr 2009 02:10:32 GMT</pubDate>
      <author>fastlaneputtp</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68535&amp;amp;tstart=0#68535</guid>
      <dc:date>2009-04-27T02:10:32Z</dc:date>
      <clearspace:dateToText>Apr 26, 2009 10:10 PM</clearspace:dateToText>
      <clearspace:replyCount>2</clearspace:replyCount>
    </item>
    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68444&amp;amp;tstart=0#68444</link>
      <description>You are correct - bad personal credit will only result in many loan denials and a waste of time.  Your personal credit does matter.  Depending on how bad - there are a few lenders that will say yes - but only for small amounts - up to $25K - as long as all your other stuff is in good order.&lt;br /&gt;
&lt;br /&gt;
You can also improve your credit by consolidating your debt - even your unsecured or credit card debt.  This helps in several ways - you get one single payment that is affordable.  You free up your personal cash flow to help pay down this debt faster.  It shows your other accounts in good standing or paid as agreed - which goes a long way in improving your score and lastly, it reduces your overall debt - which also improves credit scores.&lt;br /&gt;
&lt;br /&gt;
We list lots of resources regarding consolidating debt and improving credit on our website - businessmoneytoday.com - no cost to use our site - we just provide information and resources to help people like you.&lt;br /&gt;
&lt;br /&gt;
Business Money Today</description>
      <pubDate>Sat, 25 Apr 2009 12:12:09 GMT</pubDate>
      <author>phanio</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68444&amp;amp;tstart=0#68444</guid>
      <dc:date>2009-04-25T12:12:09Z</dc:date>
      <clearspace:dateToText>Apr 25, 2009 9:33 AM</clearspace:dateToText>
    </item>
    <item>
      <title>Re: Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68267&amp;amp;tstart=0#68267</link>
      <description>&lt;b&gt;Need help w/financing, Welcome&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;You will need a business plan. Go to Members page and tell us more.&lt;/b&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;Do you know about SCORE?? SCORE is FREE&lt;/b&gt;</description>
      <pubDate>Thu, 23 Apr 2009 19:47:11 GMT</pubDate>
      <author>LUCKIEST</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68267&amp;amp;tstart=0#68267</guid>
      <dc:date>2009-04-23T19:47:11Z</dc:date>
      <clearspace:dateToText>Apr 23, 2009 3:47 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
    </item>
    <item>
      <title>Need help w/financing and bad credit</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68263&amp;amp;tstart=0#68263</link>
      <description>I am looking to obtain a loan for a start up business.  I don't have good credit so I'm afraid I won't get a loan.  Is there anyway I can get a loan with not so great personal credit?  Or does anyone suggest any credit repair services that I could improve my credit?  Thanks so much!</description>
      <pubDate>Thu, 23 Apr 2009 18:30:12 GMT</pubDate>
      <author>Stylista</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=68263&amp;amp;tstart=0#68263</guid>
      <dc:date>2009-04-23T18:30:12Z</dc:date>
      <clearspace:dateToText>Apr 23, 2009 3:38 PM</clearspace:dateToText>
      <clearspace:replyCount>8</clearspace:replyCount>
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