Is there any real place that gives bad credit loans or credit cards?

i have a credit score of about 400 to 450 i was wondering if there were any places that arent a scam to get a loan or a credit card?

Why would you want to go deeper into debt? Use a debit card for your purchases. The debit card can do everything a credit card can do except dig you a deeper hole of debt.

You are at high risk of defaulting and that attracts vultures. There are debt counselors that can help you manage your money better and consolidate your debts,

but anyone offering you money or credit in your hands will make you sign a contract you will regret later.

I have found a card that is good to help reestablish. The way it works it you have to pay approximately 0.5% up front (min 5,000.00) go to http://robertscredit.com/ far right there is a link and a lot of information on how it works.