{"id":15202,"date":"2022-08-29T10:00:00","date_gmt":"2022-08-29T10:00:00","guid":{"rendered":"https:\/\/worldscholarshipforum.com\/wealth\/?p=15202"},"modified":"2022-08-29T13:31:24","modified_gmt":"2022-08-29T13:31:24","slug":"bad-credit-score","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/bad-credit-score\/","title":{"rendered":"I Have Bad Credit Score, Use These Credit Cards Instead","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>&#8220;Bad credit\u201d&nbsp; generally means that your credit reports (and any credit scores derived from them) have a recent history of mismanagement. Credit is simply purchase or a borrowing agreement that you will pay later. A lender&#8217;s willingness to allow you to use credit is based on the confidence that you will repay the amount you borrowed along with the interest cost on a schedule. You agreed when you accepted the terms of the loan or credit.&nbsp;<\/p>\n\n\n\n<p>Generally, bad credit results when you fail to pay your debts by your credit agreements. Events involving late payments can affect your balance, but you may be able to recover before your credit is considered bad if you pay your debts on time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-bad-credits-and-examples\"><span id=\"what-are-bad-credits-and-examples\">What are bad credits and examples?&nbsp;<\/span><\/h2>\n\n\n\n<p>&nbsp;Bad credit history means you have negative aspects of your credit history that suggest you are a risky borrower. Several factors can contribute to poor credit, including:&nbsp;<\/p>\n\n\n\n<ol><li>&nbsp;Past bad debts&nbsp;<\/li><li>&nbsp;High debt balances&nbsp;<\/li><li>&nbsp;Recent bankruptcies&nbsp;<\/li><\/ol>\n\n\n\n<p>&nbsp;Bad credit is usually indicated by a low credit score, the numerical summary of the information on your credit report. The numbers FICO scores you are one of the most widely used credit scores, ranging from 300 to 850, with higher scores being more desirable.&nbsp;<\/p>\n\n\n\n<p>The FICO credit score range is divided into five ratings in most cases:&nbsp;<\/p>\n\n\n\n<ul><li>&nbsp;Exceptional: 800 and above&nbsp;<\/li><li>&nbsp;Very Good: 740799<\/li><li>&nbsp;Good: 670739<\/li><li>&nbsp;Fair: 580669<\/li><li>&nbsp;Bad: Below 580<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reasons-for-bad-credit\"><span id=\"reasons-for-bad-credit\">Reasons for Bad Credit&nbsp;<\/span><\/h2>\n\n\n\n<p>&nbsp;There are several reasons for bad credit, for example:&nbsp;<\/p>\n\n\n\n<ol><li>Breaking a credit agreement: If you miss a payment or exceed your credit limit, you have violated the terms of your credit agreement and your credit bureau will note it down on your credit file.&nbsp;<\/li><li>&nbsp;Getting into Financial Trouble &#8211; This refers to any missed refunds that will be recorded on your credit file. Missing multiple refunds can quickly drop your score, especially if you don&#8217;t make multiple refunds in a row.&nbsp;<\/li><li>Close to your credit limit: The amount of credit you have used will also affect your score. Always use your card wisely and make your payments on time.&nbsp;<\/li><li>No Credit History &#8211; If you&#8217;ve never had a credit score before, lenders and credit bureaus may not know how to handle credit, which means you likely have a low credit score.&nbsp;<\/li><li>Too Many Loan Applications: Applying for loans many times leaves many imprints on your loan record. Too many of these searches in a short amount of time can lower your credit score.&nbsp;<\/li><li>Public Information: If you have recently passed a County Court (CCJ) judgment or have filed for bankruptcy in the past 6 years, it will harm your creditworthiness.&nbsp;<\/li><\/ol>\n\n\n\n<p>&nbsp;If any of the above applies to you, credit cards for bad credits can be an option to improve your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-factors-affect-your-credit-report-and-scores\"><span id=\"what-factors-affect-your-credit-report-and-scores\">What factors affect your credit report and scores?&nbsp;<\/span><\/h2>\n\n\n\n<p>&nbsp;The debt management history recorded on your credit report is the basis for your creditworthiness and for determining whether your creditworthiness is &#8220;good&#8221; or &#8220;bad&#8221;.&nbsp;In general, credit report entries indicating difficulties in credit management will adversely affect your credit profile and creditworthiness, while those with strong credit management promote good creditworthiness. Most of them include:&nbsp;<\/p>\n\n\n\n<ol><li>Late Payments &#8211; Payment history is the most important aspect of your FICO\u00ae score, and even a 30-day late or late payment can affect your score. Payment history is responsible for approximately 35% of your FICO\u00ae score.&nbsp;<\/li><li>Credit Card Excessive Use: Using a high percentage of the credit limit on individual credit cards or all of your cards together can lead lenders to think that you are too dependent on credit. You can calculate this percentage, called the credit utilization, for each credit card by dividing your current outstanding balance by your credit limit and then multiplying by 100 to get a percentage. You can also calculate your total utilization by dividing the sum of all your credits by the sum of all your limits. Lenders want to see credit utilization for any card, and especially all cards, generally, less than 30%; People with the best credit scores tend to keep the utilization at 10% or less. Credit utilization makes up 30% of your FICO\u00ae score.&nbsp;<\/li><li>Looking for a lot of credit in a short time: Whenever a lender requests your credit report or a credit score based on it for a credit decision, a thorough check is recorded in your credit file. These inquiries will remain on your file for two years and may cause your creditworthiness to deteriorate slightly, temporarily. Lenders look at the number of difficult inquiries to estimate how much new credit you are applying for. Too many inquiries can increase the risk that you stand up for a lender or rating model and affect your creditworthiness and the credit you can secure. New credit activity accounts for approximately 10% of your FICO\u00ae score.&nbsp;<\/li><li>Serious Negative Events &#8211; Serious credit management errors that can show up on a credit report include foreclosure, bankruptcy, repossession, write-offs (the lender loses hope of collecting their debt and closes their account), and settled accounts (the lender accepts less than the full amount you owe in a negotiated settlement and then close your account). Any of them can seriously damage your credit for years, even up to a decade.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-fix-a-bad-credit-score\"><span id=\"how-to-fix-a-bad-credit-score\">How to fix a bad credit score<\/span><\/h2>\n\n\n\n<p>To correct bad credit, understand the basic factors that contribute to creditworthiness, including whether you are paying your bills on time and have credit card balances, and identify the factors that have a negative impact. also an important step.&nbsp;Your credit score is a three-digit number, usually between 300 and 850, based on the information on your credit report. It is valuable to lenders who need to know the likelihood of you paying back the money borrowed.&nbsp;Although there are several credit models with different rating ranges, 700 or more is generally considered good credit, while 800 or more is considered excellent.<\/p>\n\n\n\n<p>This table gives you an idea of \u200b\u200bwhat these agencies consider &#8220;good&#8221; and &#8220;bad&#8221; credit:<br><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Credit Bureau<\/td><td>Bad<\/td><td>Fair<\/td><td>Good<\/td><td>Excellent<\/td><\/tr><tr><td>Experian<\/td><td>0-720<\/td><td>721-880<\/td><td>881-960<\/td><td>961-999<\/td><\/tr><tr><td>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Equifax<\/td><td>&nbsp; &nbsp; &nbsp; &nbsp; 0-379<\/td><td>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 380-419<\/td><td>&nbsp; &nbsp; &nbsp; &nbsp; 420-465<\/td><td>&nbsp; &nbsp; &nbsp; &nbsp; 466-700<\/td><\/tr><tr><td>TransUnion<\/td><td>0-565<\/td><td>566-603<\/td><td>604-627<\/td><td>628-710<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-bad-credit-card\"><span id=\"what-is-a-bad-credit-card\">What is a bad credit card?&nbsp;<\/span><\/h2>\n\n\n\n<p>&nbsp;All adults have a credit history that shows how well they have used credit (e.g. loans, loyalty cards, or credit cards) in the past. Other lenders use this record when applying to see if there is a good risk loan.&nbsp;<\/p>\n\n\n\n<p>&nbsp;However, if you have made some mistakes in the past such as late or missing payments (or even previous bankruptcies, defaults, then the risk may seem too high to you, which means lenders may not accept you for more credit.&nbsp;<\/p>\n\n\n\n<p>&nbsp;But all is not lost because there are special credit cards that you are more likely to accept, even if you have had previous problems. If you have a bad credit history, purchasing one of these cards can be a financial lifesaver as, when used correctly, it can help improve your credit score by proving that you can pay reliably and on time (now).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-are-bad-credit-cards-for\"><span id=\"who-are-bad-credit-cards-for\">Who are bad credit cards for?&nbsp;<\/span><\/h2>\n\n\n\n<p>&nbsp;There are many reasons why your credit score could be low. Your creditworthiness is based on a variety of factors including your employment status and whether you have made timely electronic debt payments in the past.&nbsp;<\/p>\n\n\n\n<p>A credit card with a bad credit card might be right for you if:&nbsp;<\/p>\n\n\n\n<ol><li>&nbsp;You haven&#8217;t taken out any credit and therefore have no credit history&nbsp;<\/li><li>&nbsp;You haven&#8217;t made any payments from a previous card or loan&nbsp;<\/li><li>&nbsp;You Had a district court judgment against you&nbsp;<\/li><li>&nbsp;You are unemployed&nbsp;<\/li><li>&nbsp;You have been declared bankrupt&nbsp;<\/li><li>&nbsp;You are not on the electoral roll<\/li><\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Read more: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/how-to-get-800-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Get 800 Credit Score<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-a-credit-card-for-bad-credit\"><span id=\"how-to-choose-a-credit-card-for-bad-credit\">How To Choose A Credit Card For Bad Credit&nbsp;<\/span><\/h2>\n\n\n\n<p>There are three types of credits card for bad credits you can choose from, depending on your dire credit situation. They are:<\/p>\n\n\n\n<ol><li>&nbsp;Credit building Cards: These Cards Can Help You Improve Your Credit Score if you have had debt problems or have never had a credit card. Interest rates can be high, so try to pay off your balance every month. Your credit limit will also be low, although this can increase as you build trust with the lender. A credit card can begin your journey to better credit and cheaper credit.&nbsp;<\/li><li>&nbsp;Credit transfer cards:&nbsp;With a credit transfer card, you can postpone a balance and pay no interest on the debt for a limited period, usually six months to a year. In individual cases, a balance transfer agreement (possibly with a shorter term of 0%) can also be concluded without a higher credit rating.&nbsp;<\/li><li>&nbsp;Credit Cards for 0% interest:&nbsp;Low-priced 0% interest cards can be hard to come by if you don&#8217;t have a solid credit history. But in some cases, you can get accepted for a card, it all depends on the reasons for your low credit score. You may not be offered 0% market-leading cards, but you may still be able to switch and save.<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-credit-building-cards-for-bad-credits\"><span id=\"best-credit-building-cards-for-bad-credits\">Best Credit Building Cards For Bad Credits<\/span><\/h2>\n\n\n\n<ol><li>&nbsp;Capital One Classic Card: You get 4 Months &#8216;0% interest on loans with 34.9% APR after the four months have ended.<\/li><li>&nbsp;Amazon Classic: You enjoy 3 Months&#8217; 0% interest on the loan,&nbsp; with an APR of 29.9% after 3 months and 3 \u00a3 30 Coupon Amazon on Acceptance&nbsp;<\/li><li>&nbsp;Barclaycard Forward 3 months 0% on expenses, 33.9% APR, new virtual card, and $30 gets refunded if you spend \u00a3 5 + five times in the first 60 days. It only works with Apple Pay or Google Pay, with No 0% issue period.<\/li><li>&nbsp;Vanquis Bank Chrome: No 0% Issue Period, 29.3% APR&nbsp;<\/li><li>&nbsp;Capital One Platinum: No 0% Issue Period, 29.8% APR&nbsp;<\/li><\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fdf5d2\"><strong>Read more: <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/how-do-credit-card-companies-make-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Do Credit Card Companies Make Money<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-factors-contributing-to-poor-credit-ratings\"><span id=\"factors-contributing-to-poor-credit-ratings\">Factors Contributing To Poor Credit Ratings<\/span><\/h2>\n\n\n\n<p>Don&#8217;t take on new debt or close credit cards to change your credit mix or the size of the new loan. Closing credit accounts suddenly leads to a higher debt-to-credit ratio, which can harm your creditworthiness.&nbsp;Instead, focus on improving your payment history and reducing the amount you owe. These are the most important factors contributing to poor credit ratings.&nbsp;<\/p>\n\n\n\n<ol><li>&nbsp;Work on updating overdue invoices and clearing large balances.&nbsp;<\/li><li>&nbsp;Regularly pay off all of your debts while you focus on paying off the biggest ones.&nbsp;<\/li><li>&nbsp;Open new accounts in moderation.&nbsp;<\/li><li>&nbsp;Take on only as much debt as you can afford, make payments on time, and keep your credit card balances low.&nbsp;<\/li><li>&nbsp;Track your progress with a free credit rating tool.&nbsp;<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\">Conclusion<\/span><\/h2>\n\n\n\n<p>&nbsp;In conclusion, once you are up to date with your payments and positive information appears on your credit report, you can see an immediate improvement in your credit score. However, it can take a couple of years to completely fix your bad credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-references\"><span id=\"references\">References<\/span><\/h2>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-c89a567 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-c89a567 li::before{background-image:url('data:image\/svg+xml;base64,PHN2ZyBkYXRhLXByZWZpeD0iZmFzIiBkYXRhLWljb249InZvaWNlbWFpbCIgY2xhc3M9InN2Zy1pbmxpbmUtLWZhIGZhLXZvaWNlbWFpbCBmYS13LTIwIiByb2xlPSJpbWciIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyIgdmlld0JveD0iMCAwIDY0MCA1MTIiPjxwYXRoIGZpbGw9ImN1cnJlbnRDb2xvciIgZD0iTTQ5NiAxMjhhMTQ0IDE0NCAwIDAgMC0xMTkuNzQgMjI0SDI2My43NEExNDQgMTQ0IDAgMSAwIDE0NCA0MTZoMzUyYTE0NCAxNDQgMCAwIDAgMC0yODh6TTY0IDI3MmE4MCA4MCAwIDEgMSA4MCA4MCA4MCA4MCAwIDAgMS04MC04MHptNDMyIDgwYTgwIDgwIDAgMSAxIDgwLTgwIDgwIDgwIDAgMCAxLTgwIDgweiIvPjwvc3ZnPg==')}.ugb-c89a567.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><a href=\"https:\/\/www.forbes.com\/advisor\/credit-cards\/best\/bad-credit\/\">forbes.com\/advisor\/credit-cards\/best\/bad-credit\/<\/a><\/li><li><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/bad-credit\">nerdwallet.com\/best\/credit-cards\/bad-credit<\/a><\/li><li><a href=\"https:\/\/www.creditcards.com\/bad-credit\/\">https:\/\/www.creditcards.com\/bad-credit\/<\/a><\/li><li><a href=\"https:\/\/www.bankrate.com\/finance\/credit-cards\/bad-credit\/\">https:\/\/www.bankrate.com\/finance\/credit-cards\/bad-credit\/<\/a><\/li><li><a href=\"https:\/\/www.thebalance.com\/what-is-bad-credit-960369\">https:\/\/www.thebalance.com\/what-is-bad-credit-960369<\/a><\/li><li><a href=\"https:\/\/www.cnbc.com\/select\/side-effects-of-bad-credit\/\">https:\/\/www.cnbc.com\/select\/side-effects-of-bad-credit\/<\/a><\/li><li><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/bad-credit-history-and-rating\/\">https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/improving-credit\/bad-credit-history-and-rating\/<\/a><\/li><\/ul><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-recommendations\"><span id=\"recommendations\">Recommendations<\/span><\/h2>\n\n\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-5845be2 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-5845be2 li::before{background-image:url('data:image\/svg+xml;base64,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')}.ugb-5845be2.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/starter-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">11 Best Starter Credit Cards for No Credit of September<\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-credit-cards-for-fair-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">17 Best Credit Cards for Fair Credit<\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/personal-loans-for-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best Personal Loans for Bad Credit<\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/credit-cards-for-young-adults\/\" target=\"_blank\" rel=\"noreferrer noopener\">20 Best Credit Cards for Young Adults<\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/low-apr-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">9 Low APR Credit Cards<\/a><\/li><\/ul><\/div><\/div><\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"&#8220;Bad credit\u201d&nbsp; generally means that your credit reports (and any credit scores derived from them) have a recent&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":11,"featured_media":15227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1294],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.6 (Yoast SEO v22.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>I Have Bad Credit Score, Use These Credit Cards Instead<\/title>\n<meta name=\"description\" content=\"&quot;Bad credit\u201d generally means that your credit reports (and any credit scores derived from them) have a recent history of mismanagement. 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