Bad Credit

If you’ve had a major setback…divorce, bankruptcy, foreclosure, repossession, etc…your credit score could very easily have dipped below 650, and you could find yourself with Bad Credit.   Not to worry.  It actually sounds far worse than it is.  And, often, it’s not nearly as difficult to recover from as you would think. 

Depending on where your credit score is, you may qualify for an account with Orchard Bank (see below), or you may need to start with a secured credit card, like the one from Applied Bank (see below), or you may even need to start with a prepaid card.  

But the point is, you’ve got to start somewhere.  And, one of the first steps to restoring your credit after a major life setback is simply to get credit.  That’s right.  Find a credit card company that will give you a credit card.  And then, use the card responsibly.  Make your payments on time.  Every time. 

Here are the best credit card offers for those of you with bad credit: