<prompt> Human: I am 26, have a score of about 550 because of stupid decisions when I was young, make approximately 40-50,000yr, and am looking for a loan or personal line of credit to purchase a daily commuter motorcycle. I would just like a way to frame it so they know that I want to pay it back in full and on time. Is there any hope?  <response>: unfortunately your credit score wont give your bank much confidence... 