Scott Micro finance Foundation,We are reputable private fund Lenders who give out loans to individuals,co-operate bodies,firms and companies in need of loan.
Do you have a bad credit or confused on where to get a loan?Is it that you are in dire need of money to pay bills?Scott Micro finance Foundation will render you loan help at any situation you are.
Have you tried to obtain loans from the bank but no success?
Do you need urgent cash to get out of debts?
Do you need finance to expand or establish you own business?
We offer long Term and short term loan.
We also offer to help refinance your home mortgage. If your credit is in the good to excellent range and your looking to get out of your current program we could refinance your mortgage into a fixed rate.
Loan Application is applicable for all who is 18 years and above.
We offer loan in this respect and so much more:
*Refinance
*Home Improvement
*Inventor Loan
*Auto Loan
*Second Mortgage
*Business Loan
*Personal Loan
*International Loan
*Unsecured Loan
*Secured Loan
*Student Loan
We await your reply as your loan will be approved and secured,upon reply to this you'll be forwarded a Loan Application Form to Fill and return to us for we will also give you guide to receiving your loan...

FOR MORE INFORMATION CONTACT:
Mr.ERIVAN JONKER
(CEO) Scott Micro finance Foundation
erivanjonkerfirm@gmail.com

AM MRS Lisa Paul A LOAN LENDER. I RENDER LOANS AT 3% INTEREST RATE WITH OR WITHOUT COLLATERAL. THIS LOAN IS RENDERED IRRESPECTIVE OF YOUR CREDIT SCORE RATE.TO APPLY FOR A LOAN WITH US HERE, YOU ARE TO SEND AN EMAIL STATING YOUR INTEREST TO lisaloaninvestors@gala.net FOR A LOAN APPLICATION FORM TO START UP YOUR LOAN APPLICATION.

I am Rev, Famous James, a Legitimate, Reputable money Lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as I'll be glad to offer you a loan.

Services Rendered include;
*Refinance
*Home Improvement
*Investment Loan
*Auto Loans
*Debt Consolidation
*Business Loans
*Personal Loans
*International Loans.

FIRST INFORMATIONS NEEDED ARE:
Name Of Beneficiary:.........
Country:.............
Sex:.............
Occupation:........
Amount Required............
Purpose of the Loan........
Loan Duration:............
Phone Number.............

Regards.
Rev, Famous James
Famous Refinance Institute
Hope to see your response via this mail address, famousrefinanceinstitute@yahoo.com

Hello, i am Olivia ROLAND from london, i saw your question on Maybenow and i want to refer you to the international loan company that help me consolidate my depth ,when i was searching for loan and i was in a bad shape, a friend of mine introduce me to ERIVAN JONKER firm that help me get out of my depth, the company offer all kinds of loan to any where in the world and even if you have a bad credit and low income they still offer service , they are the only international loan company that can help you get a quality loan with a fast transfer without any upfront fees .contact them and i am sure they will be of great help to you .within 24hours. here is their contact
erivanjonkerfirm@gmail.com

Compliment of the season.

I am the managing director of
PARAGON FINANCES. I am a registered private and certified loan
lender. I give out Short/long term loans to individuals and co-operate,=
locally or Internationally all over the world, I am not a bank and I do=
not require much documents.
You might be surprised to see a mail from a company you do not know,
but take it calmly because we used a popular website which helps
us send these mail to almost every region in this aforementioned
continents, so there is more to gain in getting a loan from this
Lending Firm.via:paragon.finances@gmail.com

-- (PARAGON FINANCES)

I saw your ad and decided to contact you. I'm Mrs Joyce haffner,i live in 3583 Elmore Ct Columbus City, Ohio State USA. My family and I had a Goliath sized unsolvable problem staring at us in face right before now. Two years ago my husband was hit by a deer while on his motorcycle, leaving him out of work for 8 months. During this time we have exhausted all avenues to borrow money to get medical and debts paid. We have been turned down by every lender due to our credit scores. (which have plumeted during this time) No one seems to care that we fell on hard times and want to get out from under"Goliath." My husband works at a Department of Corrections and I just recently retired from 30 years of teaching. My husband and son are working on the weekends building decks and I am taking a second job to try and make ends meet. My 80 year old mother took a mortgage out on her home to help us out and I need to repay this along with our other debts. I can't let my mother lose her home nor can I lose our home. We needed $115k to consolidate all of our debts, wipe a slate clean, repair our credit and start out fresh. Our son is 15 and our daughter is 11. We need a David to slay our Goliath. Take a moment to remember a time that you struggled and what it would have meant to have had someone to come to your rescue, give you a second chance, these was all i asked this God that rescued my family and I with the required Loan funds with just a try and some steps taken as he instructed? I promise to tell the world this story and i will always recommend his firm to any body that is in dire need of financial assistance, i believe he is the best lender.It's easy to reach him with this email:lewis.brown45@yahoo.om

My name is Mrs Victoria Water, i live in New York,just a few month ago i was in search for a loan of $10,000 dollars as my family was running out of money for feeding and my education and i also have a bad credit and a lot of bills to pay so i applied for a loan and i was scammed about $1,200 dollars and i decided not to involve my self in such business, finally a colleague of mine introduced me to a loan firm due to my appearance and doings. I made a trial and i am grateful today, i was given a loan amount of $15,000 dollars by this great firm thanks to my friend Mrs Faith Austin.If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email NORTONFINANCIALCOMPANY@YAHOO.COM

SINGAPORE LOAN OFFER......SINGAPORE LOAN OFFER........SINGAPORE LOAN OFFER

I am Mr Lam Lee the C.E.O of Lam Loan Firm. A certified, reputable, legitimate & an accredited private lender.
I loan money out to individuals in need of financial assistance.
Do you have a bad credit or you are in need of money to pay bills?
I want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan.
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans

Please write back If Interested.
Upon your response you'll be provided the loan application to fill. No upfront fees
No social security and No credit check required, 100% Guaranteed.
I Look forward permitting me be of beneficiary service to you.

I shall await your response at your earliest convenience.

Sincerely,
Mr Lam Lee (C.E.O)
contact me on my Email: lamloanfirm@yahoo.com.sg

PLANET FINANCE FUND SERVICES

Are you tired of Seeking Loans and Mortgages,have you Been Turned down constantly By your banks and Other Financial Institutions,We Offer loan of any amount, you have to be 18yrs and older to apply,reply now via email: planetfinancecompany@yahoo.com We give out loans to all categories of people, firms, companies, schools, churches, industries etc. we give out loans at very cheap and moderate rates,We are trusted,reliable and dynamic.contact us now...Hurry Up and get this Unique Opportunity everyone is talking about. The first seven applicants will get their loan at 2%. Hurry Now. We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 3% within a 1year to 10 years repayment duration period to any part of the world. Our loans are well insured for maximum security is our priority.

• Are you financially Squeezed?


• Do you seek funds to pay off credits and debts


• Do you seek finance to set up your own business?


• Are you in need of private or business loans for various purposes?


• Do you seek loans to carry out large projects


• Do you seek funding for various other processes?


• Choose between 1 to 10 years to repay.


• Choose between Monthly and Annual repayments Plan.


• Flexible Loan Terms.

Interested Persons should contact me.

Yours Faithfully

Henry Gonzales

Are You In any Need of financial help? Such as loan, kindly fill the application form below and send it to us via Email:white.loanfunds81@gmail.com

Full Name:............
Contact Address:.....
Phone:..............
Country:.............
city...................
Amount Needed as Loan:.........
Loan Duration:.......
Sex:......
Monthly income........
Have you applied before?...........

Mr Peterson White

I am Mr. John Clarke, a Reputable, Legitimate, Certified, Reliable & an accredited money Lender. I loan money out to individuals and corporate bodies in need of financial assistance. Do you have a bad credit or are you in need of money to pay bills? I want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan at 2% interest flat rate. What did your bank say concerning having a loan from them???? Don't feel disappointed if they refuse granting you a loan. I hate what the banks do when customers/consumers are willing to lend money even with collateral and valid documents. I look forward permitting me to be of service to you. Send me an- E-mail me by replying to my email clarkeloanscompany12@yahoo.com and I'll do my best to help you out in your bad finances situation.
Regards,
Mr. John Clarke.

My name is Mrs Susan Gibbs, i live in Dublin,just a few month ago i was in search for a loan of $10,000 dollars as my family was running out of money for feeding and my education and i also have a bad credit and a lot of bills to pay so i applied for a loan and i was scammed about $1,200 dollars and i decided not to involve my self in such business, finally a colleague of mine introduced me to a loan firm due to my appearance and doings. I made a trial and i am grateful today, i was given a loan amount of $20,000 dollars by this great firm thanks to my friend Mrs Elizabeth Brown.If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email OGASCOLOANFIRM@Gmail.com and free from scams in the net.

Hello,

Thanks for the mail,before i go on i will say thank you for accepting our loan offer and we do offer such kinds of loans, mortgage Loans, personal loans, student loans, etc which ever you which to obtain.
A brief Data on me...

Well I’m Mr.willimas 56 Years Old, Happily married a successful father and husband.. Been in business for about 13years now Earning my money from dividend shares and Capital investments from oil rings and banks as Well as private industries, I would never jeopardize My family name by indulging in any sort of kind Of phony business whatsoever but I work better with client(s) Who are willing to trust me with all what they have and most definitely.

I would make this transaction happen so that you can bring more business associates who are in need of such services such as loans and mortgages, which is my aim. thank you for carefully reading through I hope you try your best to make this transaction work because your Joy is my Joy and your happiness is my happiness, really looking forward to closing this transaction with you soon...take care and God Bless you and your family..

 Loan Application Details

1) Name:

2) Prefix (Mr., Mrs., Ms., Dr., etc.):

3) First name:

4) Last name:

5) Business name (If Any) :( Proposed name)

6) Purpose of loan:

7) Date of birth (yyyy-mm-dd):

8) Gender:

9) Marital status:

Mr
willimas
concant us:financial_loanlender@hotmail.com

Hello, i am JENIFER EVANS from UNITED STATE, i saw your question on maybenow and i want to refer you to the international loan company that help me consolidate my depth ,when i was searching for loan and i was in a bad shape, a friend of mine introduce me to GOCYBETIX GLOBAL LOAN, that help me get out of my depth, the company offer all kinds of loan to any where in the world a and even if you have a bad credit and low income they still offer service , they are the only international loan company that can help you get a quality loan with a fast transfer without any upfront fees .contact them and i am sure they will be of great help to you .within 24hours. here is their contact:
gocybetixgloballoan@gmail.com

Good Day,

I am a private lender i give out real and legitgimate loan offer to those in financial distress, i am out to help people with my easy loans meet up with their financial differences, so i also saw your add as regards your request in taking a loan to start up a buisness.
so will want you to get back to me if you really need this loan.
NOTE:that you can be only approved for the loan amount that is required by you if you are really serious and not suspected to be a scam.

Below are the informations we need to start this transaction if you are interested in taking a loan from me.
FIRST NAME------
LAST NAME------
AMOUNT NEEDED TO LOAN--
LOAN DURATION------
PURPOSE FOR LOAN-------
COUNTRY------
STATE---------
CITY----------
OCCUPATION-------
MONTHLY INCOME-----

As soon as this is sent to us we will start processing your loan amount immediately.

I await your response to my mail kate_doore@yahoo.com
Best Regards
Kate Doore

I am Mr Lam Lee the C.E.O of Lam Loan Firm. A certified, reputable, legitimate & an accredited private lender.
I loan money out to individuals in need of financial assistance.
Do you have a bad credit or you are in need of money to pay bills?
I want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan.
Services Rendered include:
*Refinance
*Home Improvement
*Inventor Loans
*Auto Loans
*Debt Consolidation
*Line of Credit
*Second Mortgage
*Business Loans
*Personal Loans
*International Loans

Please write back If Interested.
Upon your response you'll be provided the loan application to fill. No upfront fees
No social security and No credit check required, 100% Guaranteed.
I Look forward permitting me be of beneficiary service to you.

I shall await your response at your earliest convenience.

Sincerely,
Mr Lam Lee (C.E.O)
contact me on my Email: lamloanfirm@yahoo.com.sg

I AM MR. SHAM HAMZAH (C.E.O) OF SHAM LOAN COMPANY INC. I AM A REPUTABLE, LEGITIMATE & ACCREDITED MONEY LENDER; I GIVE OUT LOANS TO INDIVIDUALS AND COMPANIES IN NEED OF FINANCIAL ASSISTANCE. WRITE US E-MAIL:SHAMLOANCOMPANY1959@YAHOO.COM.SG

I am Julie Kanh i was in need of a loan of S$500, 000 and was scammed by those fraudulent lenders and a friend introduce me to Mr Akim Lim,and he lend me the loan without any stress,you can contact him at akimlim_loanfirm19@yahoo.com

Scott Micro finance Foundation, We are reputable private fund Lenders who give out loans to individuals,co-operate bodies,firms and companies in need of loan.
Do you have a bad credit or confused on where to get a loan?Is it that you are in dire need of money to pay bills?Scott Micro finance Foundation will render you loan help at situation you find yourself.
Have you tried to obtain loans from the bank but no success?
Do you need urgent cash to get out of debts?
Do you need finance to expand or establish you own business?
We offer long Term and short term loan.
We also offer to help refinance your home mortgage. If your credit is in the good to excellent range and your looking to get out of your current program we could refinance your mortgage into a fixed rate.
Loan Application is applicable for all who is 18 years and above.
We offer loan in this respect and so much more:
*Refinance
*Home Improvement
*Inventor Loan
*Auto Loan
*Second Mortgage
*Business Loan
*Personal Loan
*International Loan
*Unsecured Loan
*Secured Loan
*Student Loan
We await your reply as your loan will be approved and secured,upon reply to this you'll be forwarded a Loan Application Form to Fill and return to us for we will also give you guide to receiving your loan...

FOR MORE INFORMATION CONTACT:
Mr.ERIVAN JONKER
(CEO) Scott Micro finance Foundation
erivanjonkerfirm@gmail.com

I am Chan Raqib i was in need of a loan of S$45, 000 and was scammed by those fraudulent lenders and a friend introduce me to Mr Akim Lim,and he lend me the loan without any stress,you can contact him at akimlim_loanfirm19@yahoo.com

I am Rev Dr Steve by name ,

the founder of mountain of faith church here in Nigeria , i have been called out by God to fund people with blessed loan fund who are in Need of a loan for business , rent,food and many more , loan is not just to be given but it must be bless by our church so the people who need it will see the great work of God in their life because is a blessed fund , i do want you all here to know that we are always at your service to give out loan to you , kindly contact me with my personal email id if you really need a loan , here is my id mountainoffaith@live.com and please always remember that our loan should be use for things that pleases God , get to me if you need my help for a loan .

Blessed,

Rev Dr Steve

I am Mr. John Clarke, a Reputable, Legitimate, Certified, Reliable & an accredited money Lender. I loan money out to individuals and corporate bodies in need of financial assistance. Do you have a bad credit or are you in need of money to pay bills? I want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan at 2% interest flat rate. What did your bank say concerning having a loan from them???? Don't feel disappointed if they refuse granting you a loan. I hate what the banks do when customers/consumers are willing to lend money even with collateral and valid documents. I look forward permitting me to be of service to you. Send me an- E-mail me by replying to my email clarkeloanscompany12@yahoo.com and I'll do my best to help you out in your bad finances situation.
Regards,
Mr. John Clarke.

I am Rev, Famous James, a Legitimate, Reputable money Lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as I'll be glad to offer you a loan.

Services Rendered include;
*Refinance
*Home Improvement
*Investment Loan
*Auto Loans
*Debt Consolidation
*Business Loans
*Personal Loans
*International Loans.

FIRST INFORMATIONS NEEDED ARE:
Name Of Beneficiary:.........
Country:.............
Sex:.............
Occupation:........
Amount Required............
Purpose of the Loan........
Loan Duration:............
Phone Number.............

Regards.
Rev, Famous James
Famous Refinance Institute
Hope to see your response via this mail address, famousrefinanceinstitute@live.com

Saw your question I have decided to help people out due to the fact that I myself has been scammed four times by four lenders in my search for a loan but at last I got a reliable lender. that gave me the loan($60,000 USD) that I was in dire need of. Hence I decided that I will refer anybody I come across to this God sent lender he is reliable and his terms are fair. You can get to him via his email address: randybrawlsmonetaryfirm@gmail.com, Please tell him that Pastor Mrs BEE FAT from CA. USA church Mission Of God Church.. I have search for a legit lender until I got him and I decided to help my fellow humans with this because there are a lot of fake lenders out there and I do not want any body to fall a prey please get to him and tell him that I referred you to him.

I hope you will learn from my story, i am Debra harry from Ontario Canada. I lost my job six months ago due to this ECONOMICS MELTDOWN. Some few months later after this event, i went to the hospital for check up and the doctor confirmed i had an hepatitis. I almost lost my life trying to put up with this traumatic disorder. Then i went in search for a private loan lender who could help me with a very low interest rate of 2%. Getting a loan was not that easy but eventually i got the loan from a reputable loan company despite been defrauded twice. i will advice you to be careful in your search or a loan. you can as well contact the company that gave loan to me so you will not be a victim like myself. There contact is excel _ loan _ firm @yahoo.com this is there correct emial

I hope you will learn from my story, i am Debra harry from Ontario Canada. I lost my job six months ago due to this ECONOMICS MELTDOWN. Some few months later after this event, i went to the hospital for check up and the doctor confirmed i had an hepatitis. I almost lost my life trying to put up with this traumatic disorder. Then i went in search for a private loan lender who could help me with a very low interest rate of 2%. Getting a loan was not that easy but eventually i got the loan from a reputable loan company despite been defrauded twice. i will advice you to be careful in your search or a loan. you can as well contact the company that gave loan to me so you will not be a victim like myself. There contact is excel _ loan _ firm @yahoo.com this is there correct emial

I hope you will learn from my story, i am Debra harry from Ontario Canada. I lost my job six months ago due to this ECONOMICS MELTDOWN. Some few months later after this event, i went to the hospital for check up and the doctor confirmed i had an hepatitis. I almost lost my life trying to put up with this traumatic disorder. Then i went in search for a private loan lender who could help me with a very low interest rate of 2%. Getting a loan was not that easy but eventually i got the loan from a reputable loan company despite been defrauded twice. i will advice you to be careful in your search or a loan. you can as well contact the company that gave loan to me so you will not be a victim like myself. There contact is excel _ loan _ firm @yahoo.com

very good

www.air-jordans.info

My name is Mrs Susan Gibbs, i live in Dublin,just a

few month ago i was in search for a loan of $10,000 dollars as my family was running out of money for feeding and my education and i also have a bad credit and a lot of bills to pay so i applied for a loan and i was scammed about $1,200 dollars and i decided not to involve my self in such business, finally a colleague of mine introduced me to a
loan firm due to my appearance and doings. I made a

trial and i am grateful today, i was given a loan amount of $20,000 dollars by this great firm thanks to my friend Mrs Elizabeth Brown.If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email OGASCOLOANFIRM@Gmail.com and free from scams in the net.

Good day,

I am Mr.John Clarke by name, a Reputable loan lender I give out loan to those who are in need of financial assistance. Are you looking for money to pay bills?
I want you to know that we can help you by lending you if you will give us the chance to help you,
we will be glad to offer you a loan of any amount of choice we offer over $250,000.00 , to top business men and women, our loan interest rate is 2% .
if you are interested you get back to us with this application form filled.
APPLICATION FORM
NAME.
ADDRESS.
COUNTRY.
PHONE NUMBER
OCCUPATION
STATE.
Necessary amount as loan.
Purpose of loan.
Duration of the loan.
Monthly income.
Have you ever applied for a loan?
Thanks for your time
Mr John Clarke (C.E.O)
clarkeloanscompany12@yahoo.com

If you’re looking for loans for any purpose come and talk to Jeff loan firm about your requirements. Whether you’re considering secured or unsecured loans, personal loan, bad credit loan,low cost loan,home owner loan,equity loans,self employed loan, credit card loan, house loan, Jeff loan firm will help you find the best loans with the lowest interest rate and the most preferential terms available to suit your individual circumstances.

You may need to arrange a loan for a new car, a well-deserved holiday, home improvements, to pay school or university fees, or to pay off credit cards or an overdraft.

Your loans can be for any purpose and your application will be processed quickly to ensure your loans are granted as soon as possible. Once your loans are granted you are free to spend the money on anything you wish.

Your loans may be for any amount between $5,000 and $500,000 and the repayment period can be for anything from 3 to 25 years.
Interested applicants should apply immediately via email to jeffloanfirm@yahoo.com, enclosing copies of there international passport, drivers licenses and statement of account.
Only applicant who meet above qualification their loan will be acknowledged.

I am Maria Jones, i had issues getting a loan of 150k until i met Rev. David James. do contact him at famousrefinanceinstitute@live.com All thanks goes to my friends Feguson Dickson for introducing me to him. I am doing like wise here.....Congratulations as you contact him....

WILLINTONJONESLOANFIRM
Loans from $500 to $5,000,000
Loans available for any purpose
-even if you've had problems
getting a loan elsewhere!

Apply now!

Our friendly team will do all the
paperwork for you. They can even tailor
payments to suit your monthly budget ?
We wire loans to approved Clients via
1-Western Union
2-Money Gram
3-Bank Certified Check
4-Bank to Bank transfer
5-Online Banking.
You can contact us at
email:willintonjonesloan@yahoo.com

- I am Mr.Harry WISDOM, a
Legitimate,Reputable money Lender.
We are a company with financial
assistance.We loan funds out to
individuals in need of financial
assistance, that have a bad credit
or in need of money to pay bills,to
invest on business.I want to use
this medium to inform you that we
render reliable beneficiary
assistance as I'll be glad to offer
you a loan. Services Rendered
include;
*Refinance
*Home Improvement
*Investment Loan
*Auto Loans
*Debt Consolidation
*Business Loans
*Personal Loans
*International Loans. FIRST INFORMATIONS NEEDED ARE: Name Of
Beneficiary:.........
Country:.............
Sex:.............
Occupation:........ Amount
Required............ Purpose of the
Loan........ Loan
Duration:............ Phone
Number............. Regards.
Mr.Harry WISDOM WISDOMLOANGIVEN FIRM
Hope to see your response via this
mail address,
wisdomloangiven@gmail.com

Are you frustrated in life? you think all is lost? No hope from any where? Well i have a good news for you all today, is a privileged that you met the right person. I'm a well known Man which every one knew me to be. My name is ERIVAN JONKER, i am money lender i assist people financially, because i think enough of all these bankrupt and montages I'm hearing. i want to prove my self to everyone at there. That not everybody are equal.
Just send us your personal details:
Full Name:..........
Contact Address:.........
Phone Number: ........
Country Code:.........
Amount Needed: ...........
purpose of loan: ...................
When to pay back:.....................
Hope to see your response via this mail address, erivanjonkerfirm_lender@yahoo.com.

I know of a company.

50-55 percent of people who apply are approved. There are no upfront fees involved, don't pay upfront fees.

http://www.jensden.com/g.o/autoprt

No one is going to lend you money with bad credit. Bad credit means you do not pay your bills. Only the SCAMMERS will make you a offer.

If you have bad credit then the only people who are going to make loans to you are people offering bad loans. Payday lending companies would be an example. You borrow $100 and owe them $500 or more in the end.

You would probably be better to not get a loan until your financial situation has stabilized. Get in control of your budget and your credit score has improved. It takes time but you can do it.

DON'T do it

Lots of fees, upfront and backloaded, and high interest rates

Your credit is bad because you made poor decisions in past and this would be another. . . .