bad credit loans for military

debt consolidation loans for military with bad credit?
Entered the Navy this year and I am an E-4 in the Nuke program. I have to get a consolidation loan or some type of something to clear my credit. It's in the 400. What I know is very bad. Do not make the debt itself. My mother 6-8 out of credit card and a credit to my name. It's in my name, so be care of her. (No, I'm not going to continue my mother, no, no financial obligations to help pay for them.) Need to know what are my options as compensation to date. Navy Federal Reserve did not even give me a loan (My bank). I want a lump sum and pay them all out. Most of them said they would support the monitoring of my credit card for late payments and should not see my credit report. It would be very good, but I do not know where to go for $ 12000-13000. One would think that in military matters would be much easier to achieve, but no. If anyone out there that contain useful information please help. Thanks
Stay away from any company that says can not repair or reverse of your credit report. These are scams. Can not be able to get a debt consolidation loan with a credit score at 400. However, you can get relief under the Soldiers and Sailors Civil Relief Act. It covers the debt accumulated before his appointment, and lower your interest rate to 6% and the spread their obligations. It also adopts the majority of civil actions (such as collection actions) against the bills while you are on active duty. And I agreement would be better to discuss with JAG. They can help.
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