Where to get a credit card or loan if you have bad credit.

Getting a Visa, MasterCard or loan to repair bad credit or establish a credit rating can be a difficult task when most lenders are not willing to give you a second chance or let you prove yourself trust worthy.

After long hours of research, we have discovered proven tips and advice on the different tactics to build and repair credit scores. Even with bankruptcy, we can help you get on the road of having excellent a credit score and allowing you to enjoy the benefits of low interest rates and the buying power to succeed in life. In this free consumer guide to bad credit repair, you will find out which lenders will approve you for credit cards, car loans for a new or used vehicle, mortgage loans, unsecured personal loans, and even a checking account.

How long will it take to get a good credit rating?

Establishing and repairing bad credit can take some time and you must be patient because it may take up to a year or more to fix and repair your credit score. It all depends on how bad your credit situation is currently. On the upside, your credit score will improve monthly as you pay your monthly payments on time, removing past due amounts and collection accounts. As you read through our free bad credit repair guide, you will obtain a good understanding of the steps and time it will take you to build and repair your credit score and keep it there, so you will be able to take advantage of the benefits of having a great credit rating becoming creditable for lenders.

Popular Bad Credit Repair Questions

In the Consumer Bad Credit Guide, we have provided answers to some commonly asked questions about obtaining credit cards and loans with bad credit, repairing your Fico score, and obtaining a annual free credit report. Below, you will find some commonly asked questions, that we have provided answers to through out our consumer guide. We have also provided resolutions to a great number of other credit questions on the left that can be helpful and useful to you. Just find the topic of interest in our menu to find what you are looking for.

How and where to get approved for a secured or unsecured credit card with bad credit?

Even though you have bad credit or don't have a assigned score rating, there are still lenders out there that will approve you for a secured or unsecured credit card. When you read this section you will find a list of credit cards companies that issue credit cards to people with bad credit and bankruptcy. We have also included a summary of each credit card provider to help you decide on which Visa or MasterCard is best for your situation.

How and where to get approved for a new or used car loan with bad credit?

There are many finance companies out there that will approve you for a new or used car loan with bad credit and past bankruptcy. In this section of our free bad credit repair guide, we have provided a list of finance companies that will approve you for a loan. We also discuss loans provided through dealerships, buy here pay here lots, and the Fico score needed to get approved and financed for your car.

Where can I get approved for a mortgage loan with bad credit?

In this section we discuss how you can get approved for a mortgage loan with bad credit. We also provide a explanation on how your credit score effects your down payment and interest rate. Find out the pros and cons of using a mortgage broker to help locate the perfect home loan. Learn about the different types of FHA programs and how they can be beneficial. We also discuss land contracts and rent to own homes.

How to report negative false items on my credit report?

If you have false items on your credit report or have been a victim of fraud, you will learn where and how you can dispute your file with three credit reporting agencies (Equifax, TransUnion, and Experian). You will also learn how to get unresolved false or fraudulent items removed by filing a complaint with the Federal Trade Commission. Other topics of interest in this section include the Statute of Limitations on old debt and protecting yourself from identity theft.

Where can I get a checking account if I am on the ChexSystems?

Just because you are on the ChexSystems, this does not mean that you will be denied a checking account from your local bank. Sometimes this can be overlooked by the bank when opening a new account if they want your business. Here we have provided a list of banks which include local and nationwide financial institutions that will approve individuals on the ChexSystems for a checking account with check writing privileges and debit cards.

How do I get my truly free credit report once a year?

Many websites claim to offer free credit reports, and once you get there they ask for your credit card information. Most people don't realize that the three credit reporting agencies (Experian, Equifax, and TransUnion) are required to give you a free credit report once a year. Here you will be able to find how and where you can go directly to view your free credit report securely without having to supply your credit card information.

How can I establish and repair my credit score?

Here you will find a easy step by step guide on how you can start to build or repair your credit score. You will discover how credit scores are calculated, how long late payments remain on your credit report, and how outstanding credit card and loans balances affect your credit score. Other topics in this section include Credit If Your Spouse Dies and Credit If your Over 62. This is a comprehensive free credit repair guide to help you prepare for your future.

Where can I get a unsecured personal loan with bad credit?

Even though your credit maybe bad, there are still sources and options available to get unsecured personal loans up to $25,000 with a credit score as low as 520. We have put together a group called "Road To Better Credit" that consist of lenders that are willing to give applicants a second chance. These personal loans for bad credit are unsecured and can come with more favorable terms than you would find anywhere else.

Should I hire a credit repair company to help fix my credit?

If you are thinking of hiring a credit repair company to help fix bad credit, there are some facts you should know before considering to spend your hard earned money on this type of service. We explain the pros and cons of hiring a professional company to fix your credit rating and score. Other valuable topics in this section include New Identification To Erase Bad Credit.

What can I do about debt collectors harassing me?

You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. You will also become knowledgeable on where to report these hostile debt collectors when they violate your rights.