Salient to Investors:

Look for lenders that specialize in poor credit or after-bankruptcy loans.

Be prepared to pay a much higher interest rate, secure the loan with assets, accept a smaller loan amount.

Improve your credit before you borrow by making all of your utilities to insurance premiums to credit cards on time.

Apply for a secured credit card to help rebuild credit.

Use alternative credit scoring to establish a positive payment record with non-credit accounts.

Add a statement to your credit report to tell your side of the story.

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