It's all over the news and in the papers.  Everyone is saying that getting bad credit loans will be much more difficult due to the so called 'credit crisis'.  You could have a really tough time finding loans or credit cards if your record is 'less than perfect'.  Nobody knows how long banks are going to remain so strict, but there still might be some help out there.  

Bad Credit Offers is a company that specializes in helping people obtain ' bad credit credit cards ' and all kinds of personal loans.  They offer a free resource for those with bad credit by compiling all kinds of offers in one place.  If you are here in Florida of California, they have got you covered since they are a national organization.  If you are not currently looking for credit cards or a loan, but need to begin to 'repair' your credit, they also have a column that will help you get started.  Visit http://www.badcreditoffers.com/ for all sorts of resources, the site is easy to navigate and you can also apply to offers securely online.