I think, stock markets are not for everyone. We are pretty far over to the luck side recently and that's exactly the reasons we had a bad loan credit history in a bank. But, we have to settle payments for a lot of things The problem is we're a little short on cash right now so we're thinking of getting a personal loan. I'm wondering, if this could adversely impact our application or can we get a loan again? what are the best things to do?
If you really had a bad credit then try a few peer to peer lending services, small banks , local banks and credit unions because they may be more willing to work with you, even if you've got bad credit.