While borrower continues reducing his obligation through periodical 
repayments, credit history automatically improves.
Headlines say that nations are mired in debts, and editorials criticize the "irresponsible borrowers", "reckless lenders" and even today's "consumerist culture" is sometimes held responsible for it.
However, secured personal loans, since they're normally borrowed against someone's house,
tend to be more acceptable and safe for banks and lenders to provide to anyone, 
including individuals with poor credit.