A lot of people don’t actually know what is lurking in their credit report.  You can request your credit file from one of the main credit rating agencies.  That way you can find out what is contained within it which might be affecting your credit applications.  Thousands of people have a low credit rating thanks to things like store cards or poorly managed credit cards.  For them, Bad credit loans can come to the rescue when regular lenders turn them down as a result of their credit score.  Bad credit loans cover both homeowner and tenant loans – even bad credit credit cards are available.