A few years ago I got in to some bad credit. I charged up a few credit cards and got a new card. Normally that wouldn’t be that bad but I was not making the payments on my cards and I was just making it on my car loan.
After awhile I changed my spending habits and joined a Federal Credit Union which got me a loan to consolidate my debt. It was al lot easier to pay one bill on time. Actually I just had them take it right out of my pay check so it was impassable to be late. Now I am on the right track and my credit score is improving.
Now you just don’t have to take my word for it I found a good website that explains what bad credit is how you can try in improve it. It’s called Bad Credit Loan, they don’t offer loan just important information about understanding your credit. They really need to start teaching this stuff in school.