We need your help with these companies...These are our new additions to our list but we are not sure of their credibility and we do not want to see anyone hurt...so please do some investigating. If they are legit, please let us know...we did not get a loan from them yet...we just inquired and this is what they offered us. We are doing some investigation

1. Newest Loan Provider (not tested) - Angel funding - http://www.getangelfunding.com/AF/index.html

Click here to go to the Angel Funding website with an online application! "$35,000 Cash Loan within 21 days"

2. Nations Credit 1-800-944-1444

3. National Credit 1-800-205-5478

BAD CREDIT LOANS BY MAIL PROVIDERS: Free information

It is our professional opionion that you should not have to pay upfront money to receive a loan whether it be by mail or not, therefore we are not recommending these companies but offering the information free of charge so that you don't waste any more money trying to gain the information elsewhere on the internet! If anyone has a success story or a bad story to share about these companies please let us know so that we can pass the knowledge on. Thanks. All of these companies require upfront fees, Ride at your own risk, but be cautious please!!!

1. 1-800-654-1816 will charge $69 to find a loan in your area, they say they will find the bank first! (not tested by us)

2. 1-800-577-5053 (not tested by us)

3. 1-800-993-6680 (not tested by us)

Here we go.

Unfortunately, in the world we live today, credit becomes a necessity to buy a home or car. But not having any credit, although better than bad credit, becomes a crutch at times.

Apply to one of the suggested secured or unsecured credit cards with a high interest by clicking on the links provided. Establish good credit by charging at least half the credit limit every month and paying the balance off in full. Do this for 6-8 months. Then apply for one of the excellent/good credit cards provided in this manual and pick a card that transfers balances and %0 interest rate. Cut up your high interest credit cards. Never let your outstanding debt exceed more than 35% of your income or you will be in jeapordy of credit bondage!

Our company does not recommend getting into more credit to take care of life's expenses (rent, other credit, car, water, electric, phone, etc.) unless you are consolidating your debt at a better interest rate. The greatest recommendation we can offer is getting a better job from the websites provided in our manual. This manual is designed to build credit to existing customers with low credit scores, bad credit or no credit persons who are in a position to now improve their credit or make amends - meaning persons with the ability to pay. A loan or credit card is not the answer to pay everyday expenses of life. This is not a miracle manual, If you are looking for a miracle from Jesus, Pay your tithes faithfully (10% of income) and offering to a local assembly of believers preaching the truth of the gospel Click here for a church in your area. The Lord will always bless you financially when you bless him. Malachi 3:8 states, "Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it." Jesus will then open doors to accommodate your need as the bible promises. In most cases he will give you a raise or a new higher paying job. Please refrain from receiving loans and credit to pay for example "the electric bill." You are just setting yourself up for a trap and credit bondage. This kind of thinking will eventually lead to further depression and shipwreck. The true solution to this situation is a higher paying job to meet your need, gained through blessing Jesus with your earnings and a well balanced budget. The Bible says in Proverbs 3:9: "Honor the Lord with thy substance, and with the first fruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine." This means give him the 10% of your gross pay before you even pay any bills, it doesn't matter what your situation looks like. Trust in Jesus to take care of all the rest. Exercise your faith and believe in him, he will not fail you. He promises. "Trust in him and lean not to thine own understanding" (Proverbs 3:5). I'm not preaching, I am speaking from experience. May the Lord Bless your new credit or second chance.

Please also note that the bible says in Proverbs 22:7 "The rich ruleth over the poor, and the borrower is servant to the lender."