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In fact, since the recent recession, many people have had a difficult time getting approved for a loan, even if they have an excellent credit history. There are many reasons for this including credit score changes, credit card debt, foreclosure on a home or car, bankruptcy, the loss of a job, being over age 50, being on unemployment, etc.

Bad credit can be a real obstacle to getting a loan, as banks usually only offer the best deals to the most stable customers. However, there is a way around this: you can apply for a loan with a bad credit rating and still be successful.

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