When a person has bad credit can they climb out of it and get good credit?
Awesome question! Yes, a person can climb out of bad credit, but it can take several years to really turn credit around. Just like any serious problem it doesn’t just happen overnight; the problem occurs after several poor decisions over a period of time. So, to correct the problem you have to make a series of good choices over a period of time.
Your credit is your financial reputation, so you (if you have bad credit) have to rebuild your reputation and that takes time. Credit doesn’t get bad overnight and it doesn’t get good overnight either. You have to make a decision about what kind of credit you want and line your actions up with what you chose to do.