How can I get a personal loan if I have bad credit?

Hi. I am currently trying to obtain a personal loan of AU $10,000. My income is $60,000/pa through a steady job and I can easily make the repayments. However, over 2.5 years ago when I moved house - I left a $200 mobile bill unpaid. In between now and this time I have settled the bill with my old mobile provider. The problem is, even though I've settled the bill ... I still have a black mark against my name on my credit rating which says that while the amount has been paid.. it was well overdue. Because of this, I can't seem to get my personal loan with any of the major banks. Is there any other way I can obtain the loan through any other lender .. the only type of 'bad credit' loan I can find is for people already severley in debt (which I'm not) .. and only seem to offer 'consolidation loans'. Is there anywhere that is likely to lend me the money? Thanks.How can I get a personal loan if I have bad credit?
Bad credit is one of the worst problems to have... however there exists a solution.



I will hereby talk from my personal experience.



I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,



a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :



http://umgarticles.atspace.com/debt-cons



if it helps kindly remember me in your voting!.. cheers!How can I get a personal loan if I have bad credit?
To get a loan quote, apply online. You will get loan quotes from various lenders. This will put you in an advantageous situation, where you can select low interest rate loan.

http://www.freewebs.com/getanswer/BadCreditLoans.html

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You can't, you just have to wait out the period of time, I think its five to seven years, you can check with the people that refuse to give you credit. After that period then your record will be earsed and you will be able to get credit again. Just for the record you never not pay the people you owe money to because its a high price to pay as you are finding out.
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