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Bad Credit – Who, Where, When, and What to do about it

Bad Credit

If money makes the world go ’round, then bad credit makes your world go down.

How bad is bad credit?

unhappy green face suffering from bad credit ratings

Bad credit? Oh no …

Bad credit can be devastating in the short term, and can last for years, even decades, if not managed properly. This guide is here to help you walk through the steps of identifying, targeting, and taking action to fix and improve your credit score, whether you are heavily in debt and suffering from poor scores, or already doing well and just want to do better.

Before we begin

It is important that you take your financial responsibility seriously. This guide is no replacement for you doing your own work. We are merely presenting publicly available information and resources to help you have an easy time managing certain information which makes it simple for some people to fix and improve their credit scores.

This guide relates to American financial laws and regulations, and to the U.S. credit rating system. This guide may not be helpful to citizens or residents of any other country.


{Available exclusively to xdose premium clients and partners}.


{Available exclusively to xdose premium clients and partners}.


{Available exclusively to xdose premium clients and partners}.


{Available exclusively to xdose premium clients and partners}.


{Available exclusively to xdose premium clients and partners}.

happy face smiling looking up graphic

That’s better. Now things are looking up.

Once your financial credit score has improved, you will notice that your life, at least in terms of money and assets, will greatly improve. Now it’s up to you to make the best of the other things that really matter, like life, liberty and the pursuit of happiness.