Bad Credit Blog

Welcome to the #1 Bad Credit Blog, you'll find heaps of information on different types of bad credit loans. Tips, tricks and guide to getting bad credit finance. Best of all you'll find tips here that will give you the tools to get out of bad credit.

Can a Credit Repair Firm Fix Bad Credit?

November 19, 2019
Paying a credit repair company to fix your bad credit may take away the hassle of reviewing and filing credit disputes on your own. However, this may cost you a lot of money in the long run. There is also nothing that a credit repairer can do that you can do on your own.
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How a Personal Loan Affects Your Credit Score

November 11, 2019
A personal loan affects your credit score negatively or positively depending on how you manage the debt. To improve your credit score when taking out this type of financing, make your repayments timely and complete your loan obligation on its agreed term.
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How to Get a Copy of Your Credit Report

October 14, 2019
Checking your credit report before applying for a loan provides many benefits, including knowledge of your credit standing and the chance to improve the factors that affect your credit score. You can get a free copy of your credit report from the credit reporting bureaus. It is best to request a separate copy from each agency because the information they contain may be separate.
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How Many Months Does It Take to Fix Bad Credit?

October 4, 2019
If you’re planning to take out a new loan, it is smart to fix bad credit first before making inquiries or getting pre-approvals. This increases your chances of approval and getting affordable interest rates.  Bad credit is a term used to describe a credit record that is laden with multiple credit issues, including late payments, […]
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5 Ways to Raise Your Credit Score Quickly

September 30, 2019
Credit score can be raised by reviewing your credit report and disputing any wrong information. You can also improve your credit rating by paying your debts and bills on time, using your credit card below its credit limit and avoiding getting several loans at one time.
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What Affects Your Credit Score?

September 4, 2019
The credit score is a very important requirement in loan applications. It determines your creditworthiness and capacity to repay the loan. To calculate your credit score, FICO and credit scoring agencies look into your debt payment history, credit utilisation, outstanding balances, credit mix and trended credit data.
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Bad Credit Loan or Credit Card: Which One Should You Get?

August 21, 2019
Want to borrow money for expenses you can’t afford but stuck with a bad credit record? A bad credit loan and a credit card can both help you pay for expenses that you can’t afford. However, each has different features and payment fees that may or may not be ideal for your financial situation. Find out which one is more advantageous for you in this article.
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How to Get Approved for Short-Term Bad Credit Loans

August 7, 2019
One of the surefire ways to get financing despite having a bad credit history is securing bad credit loans. This type of debt financing helps you get funds fast even with a poor credit background and with little documentation. Bad credit loan lenders usually offer a limited amount of money that’s payable within an agreed period. The repayment can be long-term, which lasts for three years or more, or short-term, which is around less than a year or two.
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What Are Credit Bureaus and How Do They Affect Your Loan Application?

August 2, 2019
Credit bureaus develop your credit report, which greatly influences your creditworthiness and borrowing power. Although they cannot approve or deny your loan application, the data they present in your credit report is used by lenders as a basis for granting or denying you the funds you need. The report also influences your loan interest rate and terms, if you're approved for financing.
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