You see it all the time on Television. “Good credit? Bad credit? No credit? No problem!” but there usually is a problem. the problem is the amount they’re going to charge you in interest if… If they accept you at all. This isn’t necessarily a bad thing if you have no credit record at all. We all had to start somewhere, and it was usually at a pretty high interest rate. the problems start when you’ve had good credit and then for some reason it became, well, not so good.
It can happen to anyone. It has happened to most people at one time or another. There are ways to climb out of it. You can get credit counseling, procure a bad credit card, which will give you some credit, though probably with a fairly high interest rate, or you cnsimply knuckle down with your budget and carry on towards repairing your finances.
Any way you choose to go, you CAN make it out. Just move one step at a time, get some credit counseling or see a debt consolidator and be ruthless with your spending. It will become a habit over time, and one you will be happy you developed.