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Is There any one or anyplace I Can Get A Loan With 640 Credit score and a bankruptcy discharged over a year ago

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Any sheister outfit with excessively high interest rates and strong arm collection tactics will do. It sounds like you need to live within your means. All your bills were absolved a year ago and you still need to borrow money? There are many predatory lenders out there. Just google it and see how many crawl out from under the woodwork. You are really screwing up your credit rating even more with this type of loan.

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Wow, you don't need a loan, you need to stop spending money

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