Probably the first and most important thing to do when trying to get a loan with a less-than-desirable credit score is to stop beating yourself up about whatever that score is. Many, many people have faced financial hardships, especially since the onset of the recession in 2008. So whatever your financial circumstances are at the moment, remember that your credit score isn’t you. It’s not a commentary on your worth as a person. And furthermore, credit scores aren’t forever. In just a few short years, with the right moves, you can substantially change your credit profile. There is hope!