[quote=“sureshot!,post:30,topic:26944"”]
BUT people who have bad credit don’t necessarily owe anything to anyone, and can potentially afford to buy themselves a toy. if they are responsible and mature enough to do it ( they’ve learned from their mistakes ) then it would definitely help them to move forward and try and re-establish their credit with a new loan. 
[/quote]
which is my situation currently, i don’t owe tons of money anymore. I’m just left with a bad credit score because of my past decisions.