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Click below for companies who specialize in problem credit:

FEATURES

How to know you're in debt trouble -- You could get out your calculator and figure ratios. Or list your money habits. But the first sign that you're too deep into debt is a bad feeling in your gut.

Who do you turn to when your credit isn't stellar? -- If you've got a job and some money in the bank but your credit history is not so good, don't despair. There are ways to acquire credit.

Poor credit? Get a credit card! -- As a high-risk borrower, you'll pay sky-high interest rates, but with proper use you can build good credit.

5 ways to improve your credit -- A step-by-step guide for boosting your credit rating

Striking a deal with a debt collector -- You sometimes can lower the amount you owe by old-fashioned bargaining.

What debt to pay off first -- Organize, prioritize and vaporize your debts with our step-by-step guide for paying down debt.

NEED A LOAN BUT HAVE BAD CREDIT?
While you might have less than perfect credit, we can help you find a loan for you. Get a mortgage Apply for a home equity loan Find an auto loan

CREDIT & LOAN CALCULATORS
Want to know evaluate your credit standing or how much your monthly mortgage payment will be? Try our calculators. Calculate your payment on any loan Do you have bad credit?

TALK TO THE EXPERTS

Q:	What happens when my credit card payment is late? Answer
Q:	How do cash advances from a credit card work? Answer
Q:	How is the monthly minimum payment calculated on a credit card balance? Answer

Lenders that specialize in problem credit:

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* Mortgage rate may include points. See rate tables for details. Click here.
* To see the definition of overnight averages click here.