I'm soooo glad there are loans for people with bad ceridt. I kind of screwed up my ceridt several years ago; I was young and stupid. But I'm a lot smarter now than I was back then. I watch my money well, make good shopping decisions, and I'm on my way back to having great ceridt but I'm not quite there yet. I still get turned down because of my ceridt, and it's hard finding the help you need if you don't have a perfect ceridt history. I'm so thankful there are still places out there willing to help people like me.