Advice for People with Bad Credit
A card for bad credit can be a useful tool when working on rebuilding credit. Some even come with rewards. With responsible card use and improved credit, you can eventually apply for cards with more competitive rates and benefits. Discover expert tips and resources to help you get started.
Bad credit basics
Helpful guides
All Bad Credit Resources
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How to use the Self–Credit Builder Account with Secured Visa
The Self – Credit Builder Account with Secured Visa can help boost your score.
6 min read Dec 08, 2023 -
Are unemployment benefits safe from wage garnishment?
Except in a few instances, unemployment benefits are exempt from garnishment.
3 min read Dec 07, 2023 -
Good debt vs. bad debt: How different debts affect your finances
Not all debt is bad. Or, for that matter, good. Find out the differences here.
3 min read Jun 25, 2024 -
Who is responsible for debt after divorce?
It may seem like the only way out, but divorce could actually make debt problems worse.
6 min read Dec 04, 2023 -
Can a debt collector repo your car?
Debt collectors can’t touch your car in most cases, but there are exceptions.
4 min read Jun 25, 2024 -
How soon can you file Chapter 13 after Chapter 7 bankruptcy?
A past Chapter 7 case won’t stop you from a future Chapter 13 bankruptcy.
2 min read Jun 25, 2024 -
Applying for the wrong credit cards can just make bad credit worse
Here’s what happens and what you can do when you apply for the wrong credit card.
7 min read Nov 21, 2023 -
Can creditors take your Social Security?
Social Security is protected from creditors in most cases, but there are exceptions.
6 min read Nov 16, 2023 -
The risks of spending money before or after Chapter 7 bankruptcy
Spending a lot before or after filing for bankruptcy could jeopardize your case.
4 min read Jun 25, 2024 -
What assets do I have to list in bankruptcy?
When you’re filing for bankruptcy, disclose all your assets, no matter how trivial.
4 min read Nov 10, 2023 -
Can bankruptcy stop wage garnishment?
You don’t need a lawyer, but you do need to take these steps to protect pay through bankruptcy.
4 min read Nov 03, 2023 -
Can I use my car as collateral for a loan?
To use your car as collateral for a loan, you must have equity in it.
3 min read Oct 19, 2023 -
How to get a car repossessed if you can’t make payments
You can surrender your car in bankruptcy, but forcing the lender to take it back may be difficult.
3 min read Oct 19, 2023 -
How to avoid resetting the clock on old debt
Delinquent debt has a shelf life, but certain mistakes can keep it fresh.
7 min read Sep 22, 2023 -
What credit score is needed for Chase credit cards?
In most cases, your credit needs to fall in the “good” to “excellent” range.
2 min read Feb 10, 2023 -
Northern states tend to have higher credit scores
Your credit score is a measure of financial responsibility. These states have the highest average credit scores.
4 min read Dec 23, 2022 -
Credit scores in 2022: Statistics and how to build your credit
Credit may seem difficult to understand, but building it is easier than you think.
9 min read Mar 07, 2023 -
Best hotel credit cards for bad to fair credit
People with bad or fair credit can use hotel credit cards to earn rewards on stays.
5 min read May 02, 2023 -
Is the Capital One Platinum Secured worth it?
Find out how the Capital One Platinum Secured works and whether it’s worth it.
4 min read Apr 23, 2024 -
5 things you should know before you co-sign a credit card
Agreeing to co-sign for a loved one may feel good, but it’s a really stupid idea.
6 min read Aug 26, 2022