I’ve been stuck before — bad credit, no options, no hope.  Actually, that’s an understatement.  I won’t even go into how bad things got — some of it is still too embarrassing to write.

My credit is still terrible.  I’ve been in bad credit jail for about 5 years now.

What shocked me most?

Having bad credit makes life even harder than having no income.

You can always hustle for a little cash — but fixing credit?  That takes years.  And while you wait, you still need access to capital.

That’s where this site comes in.

This is a judgement-free zone.

Yeah, some people will tell you that “bad loans” are dangerous.  Maybe they’re right.  But it’s easy to say that when you’ve got a 700-credit score and backup options.

If you’re reading this, you probably don’t.

You’re not stupid.  You’re not irresponsible.  Maybe you had great credit once — until life hit you with something you couldn’t dodge.

Maybe you’re a calculated risk-taker, and one swing didn’t land.

Whatever your story is, I trust your judgement.

A low credit score doesn’t mean you’re bad with money.  In fact, juggling life with bad credit is so difficult, that I’d bet you’ve learned more about managing money than a lot of the people who look down on you.

I built this site to save you time and frustration.

I’ve tried the good, the bad, and the straight-up predatory.  I think I’ve literally applied to everything on the internet.  I’ll tell you which lenders are actually funding people with bad credit–and I’ll keep this updated, because what works today might not work tomorrow.

I’m not a guru.

Just a guy who got out of a jam — and wants to help you do the same.