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With all your will and ways, fix your credit history, but before you actually apply for the loan, make sure that your reason for wanting credit is built on a solid plan that you are quite sure you can follow through on and complete. If in case you have marks against you in your credit file, know why you got those bad marks and reflect yourself meticulously to figure out if the reasons for getting them still are a part of what you are presently doing.  Sometimes a bad credit report is generated by mistake and in those cases you can dispute what is on record and have the bad marks removed. You may also have good reasons for getting your credit report repaired from Loan Companies For People with Bad Credit to regain your good record and the bad marks removed.