Bad Credit

If you have bad credit, you may feel there is no way to repair your credit score. You may not even know what caused your bad credit to begin with. The first step is determining what bad credit is. Everyone who has ever taken out loans, or credit cards, has a credit score. This three digit number, between 300 and 850, is the most important factor that lenders consider before giving you loans. The higher your credit score, the more likely you are to get credit, or to get a better interest rate on loans. Different creditors have different guidelines for what counts as good or bad credit but the higher your score the less likely it is to be seen as bad credit.

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