Bad Credit Resource Center

If you apply for a loan over the telephone or online, your credit score will count heavily, because that is all the lender will likely look at before getting back to you with a quote.  If you have bad credit but still need a loan, meeting with a lender face to face is your best alternative because an actual meeting allows a lender to get an impression of you, and allows you to explain the problems you have had in the past and the things you’re doing now to make yourself a better credit risk. 

When you meet a lender in person, you force them to stop looking at you as a credit score number and make them look at you as an entire person.  This can be a huge advantage for you (especially if you are personable) and can help you get the loan your credit score does not completely qualify you for. 

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