I have a confession to make. I'm not the perfect creditor. I'm not a rip off artist. I'm not irresponsible. But circumstances can hit you when you least expect them, and then they can hurt. Well, they can certainly hurt your credit rating. Mine took a hit when I went travelling and missed a couple of financial obligations, that caught up with me when I got home. Repaying them is all good and well, but that credit score just says I'm bad! But all was not lost because there arebad credit loans at reasonable rates that I have to choose from. I can arrange a little extra finance when I need it, and pay it off at affordable rates. What I found really useful though was the ability to get bad credit credit cards, because I would just find it hard to live my life to the full in today's plastic based society without a credit card.