Have you ever checked your credit report? Find your score instantly online for free today.  The report will let you know where you stand in terms of your score and what your FICO score is. This is important for you because you can see where you have bad debt and can be sure that these numbers are correct. You do not want to be taking out really bad credit personal loans forever! By keeping your score from lowering, you can hopefully stop getting bad credit loans and bad credit auto loans soon. This also applies to bad credit motorcycle loans as well.