Bad Credit was a comedy hip hop duo based out of San Diego, California which lasted from 2002 to 2008, fronted by musicians and comedians Matthew Gorney (Optimus Rime) and Dallas McLaughlin (Dr. Cliff Mixtable). Self-described as financial hip hop , Bad Credit was a parody of the opulent bling-bling lifestyle portrayed by popular rap groups, subverting those themes into songs based on The. bad credit: Определение bad credit: if a person or company has bad credit, they have had difficulty paying back a loan in the past, and…. Узнать больше. Having bad credit can make it hard to get a credit card, mortgage, car loans, rental approval, job, and more. Bad credit is usually seen as a credit score under 580. You can improve bad credit by fixing errors on your credit report, paying off debt, and maintaining a low balance on your credit cards. A bad credit score can be a major setback in achieving your financial goals. However, you can take steps to repair your credit. Just be aware that there is not a fast, simple way to raise your score. It can take several months, and even years, to raise your credit score. Credit Cards for Bad Credit. We know that it can be frustrating trying to apply for a new credit card when you have bad credit. That's why we've prepared this guide, providing you with useful tips on what to do and not do as you approach the credit application process. Browse ALL Expert Guides. BadCredit.org is the authority on bad credit, featuring news, guides, studies, and reviews from 50+ experts for consumers with subprime credit. While bad credit may make it more difficult to achieve financial milestones, such as being approved for an auto loan or mortgage, there are steps you can take to repair your credit score. Lenders. A “bad credit” score is typically under 580 out of a range of 300-850 as defined by FICO, with 850 being the best possible score. Using the same 300-850 scale, a VantageScore defines “poor credit” as a credit score under 550. To get a good or excellent rating, you’ll want to shoot for at least 700. Bad credit describes an individual's credit history when it indicates that the borrower has a high credit risk. A low credit score signals bad credit, while a high credit score is an indicator of. Understand what is considered bad credit and how you can improve your chances of approval when applying for a new credit card, personal loan or home loan.