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When the bureaus receive your dispute letter they will contact the creator of the negative mark and ask them to verify the debt. Individually customized loans for the dealer's specific needs work to unlock the long-term value of their investment without exposure to unreasonable risk. Whats more? Prospective borrowers generally need to have a clear title to their car. Unsecured Bad Credit Long Term Loan Personal Options Before submitting your personal loan application to your chosen to lend company, why not consider alternative solutions to your financial need? The high risk involved in these loans is compensated by the high interest rate so you must be careful before going for it.