The FTC (Federal Trade Commission) has stated that beginning in 2011 lenders will "require a creditor to provide a risk-based pricing notice to a consumer when the creditor uses a consumer report to grant or extend credit to the consumer."
This allows anyone that wants to be able to get a free credit report and be able to look over it before sending it to a lending company. If you have a bad credit score you can look into a debt management service to help you repay your debts and get the loan that you need.
These companies will be able to help you deal with your creditors. A debt management service can negotiate lower interest rates, get late fees waived, and come up with a repayment plan for you. Once they have agreed upon a plan with your creditors they will be able to provide you with an estimate of how long it will take until your debt is fully repaid.
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