Right now I’m working for a bank that helps people get a bad credit mortgage loan when banks aren’t giving them one.  I personally needed one of these myself back when I was younger, and if it weren’t for the loan I got, my bad credit would have just gotten worse.  Someone it’s good to give people a chance   Sometimes it takes more then just looking at a credit score for a mortgage.  Sometimes the credit score just doesn’t show how trustworthy someone is.  There are other factors involved.  I truly believe this.