If you have “bad” credit and are trying to find a lender who will offer credit or loans to someone with your credit profile, the best thing to do is to get online and shop around for banks and other institutions that offer loans in the category of credit you are seeking.
For example, if you want a credit card, try a site like CardRatings.com or CreditCards.com.
If you want a mortgage, try sites such as Eloan.com or LendingClub.com
For all other types of loans/credit, you can use a general-purpose credit site. Two good ones are Bankrate.com and LowerMyBills.com.
All these sites have groups of lenders in all areas of the country. The banks compete for your business, and you’ll be able to hook up with a lender that offers credit based on your credit history.
Suggested reading: Should I borrow from a subprime lender?
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