In the process of building our home, we requested our credit reports and were shocked to find dozens of accounts that we didn’t recognize, most of which were  delinquent. After we recovered from the shock, we realized that this was going to completely change our game plan with the house. We immediately went looking for loans for bad credit. We knew that clearing up what appeared to be identity theft could take months and we didn’t want the process to hold up our house building plans. Having this option will make it so we can get the house started on schedule. And, as soon as the mess is cleaned up, we can refinance with a better rate.