Struggling with bad credit can be a real headache.
Loans are difficult to acquire and the interest rates are less than desirable.
Having to find a cosigner can also be very difficult for certain people.
The best thing you can do is take the time to begin repairing your credit.
You'll find it is not nearly as difficult as you may think.
Before you can do anything with your credit you need to know what your scores are.
Once per year you can order a free copy of your credit reports from annualcreditreport.
com.
Their site is easy to use, and is also set up by the government to ensure you get a free copy of your current reports each year.
Be aware that there are other sites out there that guarantee you a "free credit report", but if they need your credit card number I would stay away.
Once you receive the reports look them over and try to identify any errors.
Many times things are reported incorrectly and these negative items can hurt your score.
You have the right to dispute them and if they are found to be inaccurate and must be removed or corrected.
This alone can boost your credit scores.
Depending on how many errors you find and how much time you have on your hands you may want to look into credit repair services.
Although they can't legally do anything you couldn't do yourself they can be a real time saver.
The dispute process can carry on for months sometimes and many people get frustrated and give up.
Whether you decide to use a credit repair service or not it is important to get these errors corrected.