My friend Alan is on target. How "bad" is bad and what are you doing about it? If you are currently delinquent with several debts, no one is going to line up to be the next lender not getting paid. If you had an issue in your past, but have taken steps to resolve it, then maybe.
Credit can be repaired. This is not erasing the facts of your past, but replacing the bad past with a better present. Pay everyone on time, use credit but keep your balances low. Don't close any old accounts, just don't use them if you don't need them.
There are lenders who can assist with credit repair, ask around locally to find out if there is someone who can assist or direct you.