You did not start your life with a goal of having bad credit. But things happen that you cannot predict, many times there are circumstances that are totally out of your control that cause you to be labeled with the "bad credit" characteristic, such as a messy divorce, a job layoff, high unexpected medical bills and various other things.
But like anyone else, every now and then you need a personal loan. You know you have bad credit so you don't want to go through the process of getting rejection after rejection, since that plays havoc with your self-esteem and self-image. You really don't have anything of much value that you own that could be used as collateral, so getting a secured personal loan is not much of an option for you, even though bad credit is frequently overlooked or significantly downplayed if you are putting up collateral on a personal loan.
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