Before we start on how to apply to a loan if you have a bad credit, lets us know first the reason for you poor credit score.

1. Late payment.

2. Miss a payment

3. Fail to fulfill a financial contract.

All these information is reported to the credit bureaus.The more of these reports the credit bureaus receive, the lower your credit score and the lower your credit score the harder for you to get a bad credit loan.

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The following are other factors that can contribute to the resulkt of your credit report.

* If you always change your job

* Always changes your Address

* There is a conutry court judgment against you.

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GOOD NEWS! There are many lenders now that specialize in providing bad credit credit cards to people witth a bad credit history.

The BAD NEWS is that, you will likely to pay a higher interest than the one with good credit history. Also, there will be a limitation to the amount available for you to borrow.

DON'T WORRY! Over time you can improve your credit score by regular payment.

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STEP 1. Apply for bad credi card at smaller retail stores. Sometimes these companies are more willing to give you a chance. If your application is accepted, make a small purchase and pay at least the minimum payment every month and on time. (If you pay more than the minimum payment, you won't pay as much in interest charges.)

STEP 2. Go to your bank, savings institution or credit union. If they already have your business, they may be more willing to give you a credit card.

STEP 3. Apply for a secured credit card if all else fails. You will be required to open and maintain a savings account as security for your line of credit. Your credit line will be a percentage of your deposit.

STEP 4. Ask a friend or family member to co-sign for a credit card. Remember that their credit counts as well, so choose someone with good credit. If you can't pay back the loan, they must, and it will appear as a blemish on their credit rating.

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The following are articles that can help you in improving your credit score.

Five ways to improve your credit score

Following are five things you can do to boost your creditworthiness, plus more information on obtaining your personal score.

Guide To A BETTER CREDIT SCORE

Here is a guide on how to build, rebuild your credit score.

14 Do's and Don'ts To Raise A Score Fast

Learn what to do to Manage Your Credit Score and Improve Your Creditworthiness. And the things not to do in order to maintain a good credit score

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1. Get your credit report and assess the situation. Make small and large changes in your lifestyle to start improving your credit TODAY. No more shopping sprees or trips to the casino until you have your financial situation under control.

2. Research - Find out if the problems on your credit report are accurate, and if they are, find out which habits will improve your credit score the most in the shortest amount of time.

3. Petition - If there is an error on your credit report, you can petition to have it fixed and removed. This may take time and diligence, but it is possible - and well worth the time and effort.

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