Most people in this age believe that people with bad credit scores should not be able to get loans. They believe that these people have, with their past behavior, shown that they are not capable of handling and repaying loans, thus causing loss and suffering to others. But is everybody who has bad credit really at fault? The current economic downturn has left millions of people who used to be in stable employment without jobs. These people will have taken out loans and mortgages. Close to nobody thinks about what will happen if they suddenly find themselves without a job. The simple truth is that 84% of Americans have less than 3 months of pay in their bank account. If they are no jobless than they will soon find themselves in a situation where they will no longer be able to repay their loans and mortgages. This will, very fast, lead to bad credit scores.
So what about these people? What if they have now found a new job which pays a good salary. What if they repaid all the loans and mortgages that they had still outstanding? They will still have a bad credit rating but do they truly deserve that? The simple truth is that not everybody who has a bad credit rating actually deserves it.
When banks look at whom they award a loan they first and foremost look at the credit ratings. But even this task has been automized by computers. This means that if you’re credit score is too low the computer will automatically say no. There is no looking at your past and current circumstances. This is something that should be changed so that people with special circumstances can get normal loans. There are some providers that offer personal loans online though. These offer loans to people with bad credit.
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