Also, have you talked to the bank that allowed the scammers to clean you out? They typically carry insurance for this and you may be able to get some or all of your money back.

Thank you.....I will give it a shot ;-0

You can use one of the gift cards I mentioned to order one online.

Good luck... and if you need anything else, let us know.

Thank you so very much.....I did report this to the RCMP and phonebusters...

The only probelm I have is that to get an online report you have to pay by credit card...and thats something I don't have. I will look into what you have stated.......once again.......Thank you

Have you ordered a copy of your credit report? If not, the first thing to do is get one. I, personally, would order one online, but you can order one by mail and get it for free. The one online is easier to understand and you can order your score as well.

Go to Safeway and buy their "my treat" visa, or now I notice Mac's and 7-11 are carrying visa and mastercard gift cards as well. I would order one with the credit score as well. Anything more than the credit file and score is unnecessary. Order this from Equifax and Transunion (you can pull up their sites with a google search).

If you have not filed a police report, do so now. Dispute anything on the credit bureaus that do not belong to you and, using a copy of your police report, place a fraud alert on your credit files .

Apply for a Capital One secured Visa. Your deposit on this will be anywhere from $75 to $200. Use that Visa to pay for a monitoring service for your credit file (I use identity guard to monitor my equifax and I have paid for Transunion's monitoring service directly with them). Don't use the card for anything else, and pay it in full every month.

If you're OK with coming back and telling us your scores once you have obtained them, some of us might know places that can approve you for a car loan should you still need a car loan.

A 2002 bankruptcy should not be insurmountable.

I am discharged as of 2002. When I bought a new car, they said my score was a zero.????? So I applied at a few places and they said they cannot approve because of the bankrupcy...I need to take care of a little debt. As for the scammers..they basically stole my identity....and the funds from my account. Thats my fault for tructing someone I have never met. I really learned my lesson, that's for sure. As for collateral, I have a few items.not much. I really want to get myself back on track and don't know what to do....Any suggestions??

How not good is "not very good"? Do you know your credit score? What happened with this scam company that "basically ruined you"? There may be many avenues you need to take to protect yourself and to dig out from whatever pile you find yourself in. Do you have collateral? Is the money for the purchase of a new item that will be used for collateral? The more details you feel comfortable sharing (nothing personally identifiable, please) the more help we can give.

Hi all; I am in desperate need of some advise. I was recently scammed by a company on Kijiji.ca...which basically ruined me.

Is there any legitimate lenders out there?? I am very limited to what I can apply for as my credit is not very good at all.

Thank you in advance.