Bad Credit and Personal Loans


Defined Tag: Bad Credit Personal Loan.

Bad credit and the personal loan: the sequel. I say 'sequel' 'cause that's how this sounds: like a title from a bad movie, or worse -yes, the sequel. And sadly, that's what it is: a million times, all over these United States there are gobs of us trying to get personal loans under an umbrella of bad credit.

So why do we do it? Well, putting the beer bong down for just a sec, I have to say the most obvious thing that comes to mind: MONEY!! We love it, need it, dig it, (and bury it when we're smart), and yes, the most enjoyable aspect of all: WE SPEND IT!! Of course, after it's spent, we feel like a fresh pile out in the yard and -wangdang-boorang!- gotsta' get some more.

Personal loan, anyone? What bad credit? No, really, what's bad credit? Okay, I haven't paid that much attention, or that many bills, for that matter. 'Cept when they turn off the gas or electricity, then you're damn skippy I hop-to and me and my room-mates collect the cash, pay the Man, and make a stop-off at the package store. Love that liquor.

But a loan would be nice. Do I have to pay that back? What about options? Don't know what they are, but I know that I want some. What about insider trading, does that have anything to do with it all? Damn, I love movies. That Denzel kicks ass.

Still there? Still reading? Wow, you've got a lot of time on your hands. Or patience. Or maybe you're hoping this piece will get a bit more serious, offer a bit of wisdom, some pearl, tidbit, or something rhyming with all of it.

Okay, here goes. Bad credit? Need a personal loan? Looking over the scrap of paper dragged from out of the cat litter box, I see it's from the Crawl Street Colonel. A fine rag with good advice, I'm sure. The caption reads "caveats to avoid include watching out for the ol' quid pro nuthin' scam..." and I believe 'em. I love those ads: "Bad credit? Need money, a personal loan? Get it now, for nothing! No credit check!"

No credit check? Well, I'm here to tell you that even I know better than that. The simple truth is that the less work you have to do to get a personal loan -especially with bad credit, the more hassle you'll have in the end.

Beyond that, read the fine print! (We all know this, don't we, and yet, we never read it. There's a reason it's so small -think about it.) Again, I don't need to drink everything in the bottle in my hand to keep the genie of the bottle from drowning so's I can ask him a question. Let's face it: the easier the task, the smaller the fine print's gonna be, and the higher the interest rate.

Think about that: less work now, and an infinite amount of more work later. That translates to less booze, fewer parties, more headache and going to work with hangovers when you could be sleeping it off (and which friend did you borrow some scratch from so you could get that hangover -didn't sign anything else last night, did you? Gotta watch you.) I don't like clichés, but "no brainer" sticks here: be careful, no matter what you do. If you've got bad credit -a personal loan's do-able, but talk to a loan officer, or someone who knows what they're talking about, not just anybody you just met in cyber-land. I'm headin' for the package store. Want anything?