i have very bad credit

apply for what?

Yes, what are you applying for? If it is a payday loan, STAY AWAY!

Dang, fingers got the best of me! LOL Anyway, what I was going to say was stay away from them because they are will only get you in deeper than you already are. First you take out one, then you take out another to cover the first and so on and so on and so one and then when the fees start coming out, it is a nightmare. So if that is what you are looking at, please stay away and read the forum here and see what a lot of us has and are going through to get out from under the payday loan cycle.

Don't apply for new loans when your credit is bad. A reputed financial institution will make good offers to people with decent credit scores. If anyone is willing to lend you, be careful of them because there are lots of scammers who offer loans to people with bad credit. They will charge you an upfront fee before the loan is deposited. Once they have the money from you, they will run away in no time and you end up being scammed.

Make a better move. Start repairing your bad credit. With the tips mentioned below, you can improve your credit in the next few months. You can also enroll in a DMP program and combine all your debts under one repayment plan.

you are so right, If you are trying to get a loan and the loan company is requiring you to put any money up from for insurance it is a scam, this has happened to me before so believe me that it is true. They will ask you to western union the $ and they will tell you not to say it is for a loan because Western Union will charge you tax, yah right. What Western Union will tell you is that it is a scam. Don't throw your money away to these scammers. I was dumb enough and desperate enough to fall for it....after my money was gone, I was even more desperate then I found this forum and even though the scammers had my money I got some dignity back by just knowing I'm not all alone in my sea of debt, which is becoming less and less every day!