When someone asks you what's your credit rating and if its bad you definitely cant say that your rating is bad...Getting a bad credit rating is easy and getting the better score is tough..A bad credit standing is achieved if you have managed to not take care of your finances and loans...While you can still get credit from some lenders when you have bad credit this will come with a very high interest rate....It is really important to repair bad and fix credit credit rating once it has slipped into a less than desirable rating....There is an easy way of fixing bad credit reports if you understand how to do that...The economy is in bad shape right now and things need to improve a lot They have put out many new programs to help the struggling economy get back on its feet....SO why not try visiting credit repair site and I bet you will be able improve credit in easy way and won’t need more than a week to be approved..