Many people are not aware of bad credit loans and they are usually given to people with bad credit ratings — people also believe that once their credit score is bad, their options of getting a loan are finished. Many of them believe that it is impossible to get a loan if you have a poor score on your credit ratings.

If you have been using credit irresponsibly and finally decided to do something about it, you can start by getting a few secured credit cards to rebuild your credit history.

When an individual gets into a serious accident or incurs a large sum of medical bills from an illness, it can be hard to repay the debts before the hospital turns the debts over to a collection agency. Once the debts are at a collection agency, they are placed as line items on that individual’s credit report.

Writing a quality credit dispute letter will help you get the results you want to improve your credit score. There are many samples available on the Internet, but you have to ensure that they contain certain elements before you copy and use them. Here are some qualities of a successful credit dispute letter and advice on including them in yours.

The Gap Credit Card is issued by GE Money Bank (GEMB) for Gap customers. Cardholders can enjoy benefits such as notice of advance sales, discounts, and online account access. Gap Credit Cards can be used at Gap affiliates including Old Navy, Banana Republic, Piperlime, and Athleta. Members can manage their credit card account information anytime using the online account system. Online access allows card-members to review balances, make payments, check rewards, add authorized users, and receive paperless statements.