Do you have to resort to bad credit loans because of false or inaccurate information in your credit report? If so, here's what you can do.

Consumer reporting companies must investigate the items in question Ð usually within 30 days Ð unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

The best way to find a bad credit loan is to compare deals. Only by comparing can you find the best terms and conditions most favorable to you.