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Bad Credit

Bad credit refers to a person's poor creditworthiness, as reflected by their credit score and credit history. A person with bad credit may have a low credit score, which is a numerical representation of their creditworthiness. Continue Reading Below

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Encyclopedia Articles

Discover the definition of financial terms related to bad credit.

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Learn About Bad Credit

Thumbnail for Blog Article: Second Chance Car Financing: Best Options for Bad Credit Buyers

Second Chance Car Financing: Best Options for Bad Credit Buyers

Andrew Latham

Thumbnail for Blog Article: Rent to Own with Bad Credit: Best Options in 2026

Rent to Own with Bad Credit: Best Options in 2026

Andrew Latham

Thumbnail for Blog Article: 5 Alternatives to Advance America: Find Better Loan Options In 2026

5 Alternatives to Advance America: Find Better Loan Options In 2026

Andrew Latham

Thumbnail for Blog Article: OneMain Financial vs. Upstart (2026): Which Is Right for You?

OneMain Financial vs. Upstart (2026): Which Is Right for You?

Andrew Latham

Thumbnail for Blog Article: Oportun vs. Upstart (2026): Which Is Right for You?

Oportun vs. Upstart (2026): Which Is Right for You?

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Thumbnail for Blog Article: How Can I Get a $500 Loan With No Credit Check?

How Can I Get a $500 Loan With No Credit Check?

David Hodges

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About Bad Credit

Bad credit refers to a person's poor creditworthiness, as reflected by their credit score and credit history. A person with bad credit may have a low credit score, which is a numerical representation of their creditworthiness. A credit score is typically calculated based on a person's credit history, which is a record of their borrowing and repayment activity.
A person with bad credit may have a low credit score because they have a history of making late or missed payments, defaulting on loans, or maxing out their credit cards. This can indicate to lenders that the person is a high-risk borrower and may not be able to repay their debts.
As a result, a person with bad credit may have difficulty obtaining credit or loans from lenders, and they may be offered higher interest rates and fees if they are able to obtain credit. This can make it more expensive and difficult for them to borrow money or access credit.
Overall, bad credit refers to a person's poor creditworthiness, as reflected by their credit score and credit history. A person with bad credit may have difficulty obtaining credit or loans from lenders, and they may face higher costs and fees if they are able to obtain credit.