OK, you're credit is bad and now you need a bad credit loan. Here's what you do. First get a copy of your credit report and look for inaccurate information that may be hurting your credit record

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, "return receipt requested," so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

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.