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Bad reasons include loans that create another obligation such as that created when you borrow monetary resources for a down payment and then have two payments to make monetary resources to pay aa fine or penaltly monetary resources to consolidate debts unless you are doing it to get lower interest rates an unnecessary luxury item monetary resources to finance politics and monetary resources that you will loan to someone else. Use a little common sense in determining what type of loan a creditor may consider bad. That does not mean you should lie on your application. It simply means you should be aware that being compatible with certian sterotypes will work in your favor. Remember a creditor can still verify the information you list in an application. Still many people will twist the truth to put themselves in a favorable position. For example:1) Some applicants will list their parents a friends or a relatives address as their own residence and indicate they have lived there for years knowing it probably will not be checked.

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