Has anyone got bad credit?
107368
No...but sounds like you might
179394
You have to find out which credit reporting service gave you the bad score.  If you have recently been turned down for credit, I believe they have to tell you which credit company they used, and that company has to provide you with a report.\n\nIn addition the three major credit reporting agencies have to provide you with a free credit report once a year.  (they will try to sell you other services when you sign up, but you don't have to take them)\nThat may give you the information that you need.  Sometimes it can be a surprising thing: Someone I know got a reduced credit score by closing unused credit cards.  This changed the ratio of available to used-up credit and damaged the score.\nhttps://www.annualcreditreport.com/cra/index.jsp
1147915
Some do... at the FatWallet forums (which I'll link to), they've compiled a list of the financial institutions (as well as some other companies) that are known to do a "hard pull" on your credit report (which messes it up) for non-credit accounts.\n\nhttp://www.fatwallet.com/forums/messageview.php?start=0&catid=52&threadid=260724
294453
Oh heck Yeah!!! You should see my credit report!  \nThat's the only thing keeping me from getting one lousy credit card is some damn medical bills on my record!
1113712
sure use the link on my profile\nlet it take you to the website that states this in its text\nWe have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.
587869
When I met my husband, he had bad credit.  Neither of us knew how to manage money.  After 14 happy years together, we have come a long way.  He has great credit and we have two brand new vehicles.  We bought a new house 7 years ago and he makes enough $ that I can stay home with the 5 of our 8 children who still live at home.
909558
Having no credit can be just as bad as having bad credit, but the good news is, if you have a job, you can get credit.\n\nTry applying for a department store credit card or have someone co-sign for an auto loan. Once you are approved, make your payments every month!\n\nThe important thing to remember is that credit is a privilege not a right. And never use credit as a license to shop!
880632
Applying for "a bunch" in the last six months is negative toward your credit history.  Stop by your local bank and see if you can borrow a small personal loan...or maybe buy a car?
156362
You can't.  If you have bad credit, you are a high risk.  You WILL pay more for a loan, PERIOD.
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
303968
Your credit can be affected by just about anything, from Utility bills, cell bills.....all kinds of things.  Anytime you have something you pay on, monthly, bi-monthly, if it's paid late that company can report it to the credit agencies.  Also no credit can sometimes be just as bad as bad credit.  So have him do some research.  Did he pay his water, gas or electric bill late, order anything from a catalog and pay late or not at all......has he paid his cell bill late, get any speeding and/or parking tickets that weren't paid on time?  Even over drawing a checking or savings account can show up.
1069800
Put in refinance mortgage bad credit and see what you get.\n\n\nLC
85304
Well, more than 75% of the people throughout the country do carry bad credit and all of them get the loan from somewhere or the other so there is no reason why you can't. I'm a loan officer myself and has helped many.....give me a call if you like and i may be able to help you out.
771238
YES :)  There are companies that lend to those with bad credit. Ditech.com is one.\n\nThe interest rate may be nasty but you can get a mortgage. There are also companies that own homes that sell them to less than perfect credit.\n\nBuild your credit back up. Get a credit card and put everything you usually buy on it BUT PAY IT off every month. If you have judgments, pay them. Charge offs, wait and dispute them with the credit agency..most can't prove them because they are junk debt.\n\nGood Luck
810407
If you have bad credit get a Eufora Credit Builder Card. \n\nYou can apply here: http://www.goeufora.com/418121496892 \n\nIts $99 for a 24 month agreement for the Elite Level. \n\nIt reports to the credit bureaus that you have an open installment loan and is excellent for your credit. \n\nKeep in mind you can only spend what you load onto it, like a debit card, but it helps your credit!
33893
I would personally stay away from any type of credit card with bad credit.  The credit card companies may qualify you but at a higher rate. The temptation may be there but the best plan of action is to either pay for the purchase up front.
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.