that's a hard concern. in fact, you asserting which you at the instant are not in a stable place to pay off a private loan (undesirable credit report historic past) yet you're searching for somebody dumb sufficient to lend me money fairly of somebody else with stable credit. For me, I geared up my credit first with a retail card, like a branch save. i offered some stuff, then paid it off in comprehensive. That historic past instructed the credit reporting agencies that i ought to pay off a debt, which made the credit taking part in cards have decrease costs of interest. yet once you have already have been given a team of taking part in cards which you will not take care of to pay for, that's a bad concern. You borrowed money which you will not pay back. They superb factor to do is see a credit counselor, and plan a real budget and shop on with it.