 TITLE: How to Get a Loan With Bad Credit CONTENT: What to Do if You're Denied for a Loan\n--------------------------------------\nWhen a lender rejects your loan application because of your credit, you can get a free copy of your credit report within 60 days. You'll also need to decide if you want to apply for a loan elsewhere.\nWhile getting denied for a loan doesn't hurt your credit, each new application could result in a hard inquiry that could ding your score temporarily. With this in mind, try to get prequalified with a soft inquiry before submitting more applications.\nOr, if you can wait, improving your creditworthiness might make more sense. Increasing your credit scores is part of the equation. But other factors could also be important, such as your debt-to-income ratio. You might need to increase your income or pay down other debts before you can get a loan. END