Answer: -I don't know what type of credit the company accepts, but check into the Care Credit Card. It is to be used for medical expenses. -Plastic surgery is fine, so no insulting answer here. Still, you need to rehabilitate your credit before you take on more debt, even if that debt is for something you feel is very important. Once you have your credit under control, and you have no debt, then you will be ready for the breast augmentation. -I'm not trying to be insulting here but if this is something you've wanted for 10 years, why haven't you been saving for it all this time rather then borrowing money now and paying interest for the next however many years it takes you to pay it off? You would have to get a personal loan and that will be difficult with bad credit.Pay off your debt. Make payments on time. That's the only way to raise your credit score. -It will cost you a lot more to finance it with bad credit, but it's not too hard to bring your credit score up fairly quickly if you're commited to it. Create a tight budget and whatever is leftover, use to pay off your debts, most recent ones first. Many collectors will offer settlements that you should take them up on. Debts older than seven years will not affect your credit score, and debts within the last seven years affect your credit score on a sliding scale, so that more recent debts ding you more than older ones. Just paying off the last 2-3 years worth of debt will bring your score up quite a bit, and what you save in interest will probably make up for it. Paying your current bills faster than required helps too, and making on time payments of more than the minimum will raise your credit score dramatically.