Having bad credit can feel like a terrible dream. They are able to make you feel powerless and you can try to be able to dismiss them until you discover you need to order a brand new mortgage to expand a small business or even to finance home repairs. Then you end up having numerous regrets about just how you spent your money and how you treated your credit. The sole way to get the credit of yours rating up would be to actually fix the finances of yours as well as your credit.