Are banks still so picky about giving out loans for bad credit if the loan is for debt consolidation?

I have a couple of hospital bills as substantially as a little alternative bills which have been delinquent which have been exclusive SLAUGHTERING my credit. My assign measure is atrocious. Are banks still so fastidious most which if we wish a give so we can FIX your assign score? we would substantially need reduction than ,000 to straighten every out.

Or is it exclusive a single of those Catch-22 deals?