Jump to content
×
Are you looking for the BariatricPal Store? Go now!

Plastics and bad credit



Recommended Posts

Sweetsusie -

If you keep hitting dead ends on obtaining credit, those denials can also mess up your credit history. You might want to go to a very reputable not for profit consumer credit counseling service and start a plan to clean up your credit. That past experience will leave your report quicker if you work on cleaning up your credit history. It can be done. Then you will be able to shop for lower rates and better companies that extend credit.

Just a thought. Good luck.

Share this post


Link to post
Share on other sites

Another option is a 401 k loan if you have one. I was able to borrow what I needed from myself and will be paying myself interest at a reasonable rate.

Sent from my iPhone using VST

Share this post


Link to post
Share on other sites

Hi! My credit is by far good...I applied for CareCredit and had to ask for increments everyday for 3 days until I was approved for the amount I needed which was 7k....my motto is YOLO....if u get a loan to make u feel happier with urself Do It!! The ppl who only have negative things to say need to b ignored. As long as ur able to repay the loan, its nobody's business :) Good luck getting financed!

Share this post


Link to post
Share on other sites

Sorry to offend, folks, but I have a small business and have to deal with people not paying their bills all the time. I listen to excuse after excuse and then see their vacation photos posted on Facebook. Makes me a little grumpy when it comes to finances. Bottom line, bad credit comes from not paying money you owe. I realize there are circumstances in everyone's "past" that made that happen. A good friend married a a guy with lousy credit who continued to spend HER money behind her back, so now she has bad credit through no fault of her own ( other than choosing to marry the bum)

I'm not saying these things because Im wealthy and dont know whats its like to struggle financially. I worked two, sometimes three jobs to put myself through college. Years ago, I lost my job and owed thousands of dollars in medical bills for a cervical fusion surgery. That was a surgery I couldnt "save" for because I was at risk of becoming paralyzed. I talked to the hospital and doctors and arranged to make small monthly payments. It took almost 6 years to pay off ( of course I started paying extra once I got a job,) but the point is, it didn't result in bad credit. I've never financed a car...I drive a 14 year old truck. I'm 45 years old and still have a roommate in order to help pay the mortgage. Believe me, I would love to live alone and have nice things, but what if I cant work for some reason, that would leave me with a lot of debt I cant afford. It's all about choices and like Cassie said, there are ways to clean up credit history and all those applications for loans is further hurting your situation. And rizabonita, you're right... "As long as you're able to pay off the loan" it's none of my business!

Share this post


Link to post
Share on other sites

Hi sweet Susie

I am going to the DR for TT and BBL but probably not til next April when i should be able to the time off from work. I will save up or at least try. Lol but for my BA and lift I might go through financing. I too wished to get it all done at once due to having to keep being off work. But it will be done at different times,

Surgeon choices are Robles in DR right now but that not set.

For my arms and thighs I can see going to Dr. Sauceda but that will be the third surgery.

Keep positive things will work out.

Share this post


Link to post
Share on other sites

Hi sweet Susie

I am going to the DR for TT and BBL but probably not til next April when i should be able to the time off from work. I will save up or at least try. Lol but for my BA and lift I might go through financing. I too wished to get it all done at once due to having to keep being off work. But it will be done at different times' date='

Surgeon choices are Robles in DR right now but that not set.

For my arms and thighs I can see going to Dr. Sauceda but that will be the third surgery.

Keep positive things will work out.[/quote']

Thank you, I'm going to look up and find a solution. Because I do not want to spend the money I have for other important things that some don't understand.

Share this post


Link to post
Share on other sites

I can assure you that each time you apply for credit it lowers your credit score for about 30 days... Once the inquiry falls off your credit reports then it's ok to apply to another... But credit is tricky tricky... If you don't have an active credit account that shows you make payments on time it is harder to get approved for things.

I never ever wanted a stupid credit card but I bit the bullet and got one and used it and paid it off each month till I learned that didn't help either you need to keep a small balance on it so I kept a small 30$ balance on it for a year. using the card and paying all but 30$ then after the year when I went to buy my car... I was done in less than an hour.. My credit score was ridiculously better than it was the year prior when I tried to get the car with no credit... Which sadly is worse than bad credit..nothing about my job changed or my ability to pay my car payments just a stinking credit score....this brings me back to my original point that applying creates negatives on the credit report... I checked mine after I had been approved and was home with my beautiful car... Each credit institution they sent an inquiry to was a negative on my credit score... Took 30 days for it to go back to what it was..

Share this post


Link to post
Share on other sites

How about saving up for your surgery? Unless there are medical complications I'm not aware of, you don't "need" plastic surgery ASAP. Why not save up and get it when you can afford it? I am self pay for my sleeve, and I have great credit...I could put it on a credit card tomorrow, not to mention any number of loans I would qualify for. But I made the choice to not finance and have been saving for almost 2 years. I don't have any life-threatening comorbidities, so it just doesn't make sense to pay all that interest. I don't mean to be disrespectful, but financing stuff you can't afford is probably how you got bad credit in the first place.

LOL. You're right! I know for me medical bills got me in the hole. But I'll be back again. I'm paying things off slowly but surely.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Trending Products

  • Trending Topics

  • Recent Status Updates

    • Theweightisover2024🙌💪

      Question for anyone, how did you get your mind right before surgery? Like as far as eating better foods and just doing better in general? I'm having a really hard time with this. Any help is appreciated 🙏❤️
      · 2 replies
      1. NickelChip

        I had about 6 months between deciding to do surgery and getting scheduled. I came across the book The Pound of Cure by Dr. Matthew Weiner, a bariatric surgeon in Arizona, and started to implement some of the changes he recommended (and lost 13 lbs in the process without ever feeling deprived). The book is very simple, and the focus is on whole, plant based foods, but within reason. It's not an all or nothing approach, or going vegan or something, but focuses on improvement and aiming for getting it right 80-90% of the time. His suggestions are divided into 12 sections that you can tackle over time, perhaps one per month for a year if a person is just trying to improve nutrition and build good habits. They range from things like cutting out artificial sweetener or eating more beans to eating a pound of vegetables per day. I found it really effective pre-surgery and it's an eating style I will be working to get back to as I am further out from surgery and have more capacity. Small changes you can sustain will do the most for building good habits for life.

      2. Theweightisover2024🙌💪

        That sounds awesome. I'll have to check that out thanks!

    • BeanitoDiego

      I've hit a stall 9 months out. I'm not worried, though. My fitness levels continue to improve and I have nearly accomplished my pre-surgery goal of learning to scuba dive! One dive left to complete to get my PADI card 🐠
      I was able to go for a 10K/6mile hike in the mountains two days ago just for the fun of it. In the before days, I might have attempted this, but it would have taken me 7 or 8 hours to complete and I would have been exhausted and in pain for the next two days. Taking my time with breaks for snacks and water, I was finished with my wee jaunt in only 4 hours 😎 and really got to enjoy photographing some insects, fungi, and turtles.
      Just for fun last week, I ran two 5Ks in two days, something I would have never done in the past! Next goal is a 10K before the end of this month.
      · 0 replies
      1. This update has no replies.
    • Teriesa

      Hi everyone, I wrote back in May about having no strength. I still get totally exhausted just walking from room to room, it’s so bad I’m using a walker with wheels of all things. I had the gastric sleeve Jan. 24th. I’m doing exactly what the programs says, except protein shakes. I have different meats and protein bars daily, including vitamins daily. I do drink my fluids as well.  I go in for IV hydration 4 days a week and feel ok just til evening.  So far as of Jan 1st I’ve dropped 76 lbs. I just want to enjoy the weight lose. Any suggestions or has anyone else gone thru this??  Doctor says just increase calorie intake, still the same. 
      · 0 replies
      1. This update has no replies.
    • Stone Art By SKL

      Decorative Wall Cladding & Panels | Stone Art By SKL
      Elevate your space with Stone Art By SKL's decorative wall claddings & panels. Explore premium designs for timeless elegance.
      · 0 replies
      1. This update has no replies.
    • Clueless_girl

      Losing my hair in clumps and still dealing with "stomach" issues from gallbladder removal surgery. On the positive side I'm doing better about meeting protein and water goals and taking my vitamins, so yay? 🤷‍♀️
      · 0 replies
      1. This update has no replies.
  • Recent Topics

  • Hot Products

  • Sign Up For
    Our Newsletter

    Follow us for the latest news
    and special product offers!
  • Together, we have lost...
      lbs

    PatchAid Vitamin Patches

    ×