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If you have made some mistakes in the past as far as your 

credit is concerned, brace yourself for the facts about bad 

credit loans. You should first try to assess just how bad 

your credit is before you hit the panic button though. Very 

often, bad credit items that appear on your credit report can 

be challenged and sometimes removed. In addition, mistakes on 

your credit report can have an adverse effect on your credit 

score, shunting you into the category of a high credit risk. 

Items that are good news for you but do not show up on your 

credit report (or on one or the other of the credit reporting 

bureaus' file on your credit history), can cost you some 

valuable points. Last, but not least, taking bad advice from 

well-intentioned relatives or friends can lower your credit 

score, making you a candidate for bad credit loans.

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