Having a blemished payment history is a huge hurdle in the way of taking out a new loan. Loans for bad credit do not come in the borrowers' hand easily, though these may be especial loans for them. You must take its various aspects and the conditions into account, before making the loan application.
You must know that you carry very high risks as you made multiple mistakes like late payments, had arrears, defaulted on payments or had CCJs. This indicates that you are likely to repeat the mistakes. Hence, you must make efforts to convince the loan provider that you now intend to repay the loan installments on time. One way to do it is to make a repayment plan and borrow money accordingly. Another way is to pay off your easy debts and improve your FICO rating. This will send message to the lenders that you have learnt from past faults.
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