Generally somebody has a bad credit score because they have either missed several payments or are in arrears on current obligations. They might have defaults against them or possibly even have filed for bankruptcy. However, just because you have bad credit does not mean there will not come a time when you need at least a small amount of money. Cars break down, people need hospitalization, and sometimes people get laid off. These things usually happen out of the blue and no money is saved up to help pay the expenses. But is it possible to even get an unsecured personal loan if you have bad credit? Absolutely!
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