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Poor Credit Personal Loans, Guaranteed Approval Credit Card Offers,
Debt Consolidation, Mortages and Home Equity Loans,
Instant Car Loans and Credit Repair Solutions!

Credit Card Offers for Poor Credit

Click Here to find credit card offers designed especially for people with poor or no credit. You can get approved for many cards even if you've been recently turned down for a regular card. There are a few companies that can help regardless of your current credit situation. We have found offers to suit any credit situatuion.
Poor Credit Credit Card Offers

Debt Consolidation for Poor Credit Situations

Click Here for our little known list of experts who specialize in debt consolidation loans. These companies provide a service to help you save money by reducing your high interest payments, lowering your monthly payments, and giving you some room to breathe! They are also skilled in helping you restore your credit rating so you can sleep better without the constant barrage of creditors and harrasing phone calls.
Debt Consolidation Loans

Personal Loans for Poor Credit Situations

Click Here for a directory of lenders who specialize in lending to "challenged" credit situations. You'll find options for personal loans to get your overdue bills paid, or for those unforseen emergencies that catch you by surprise.
Poor Credit Personal Loans

Home Loans/Mortgages for Poor Credit

Click Here to access our unique list of lenders. Whether you need a home equity loan, a refinance, a new mortgage, HELOC loans or an alternative mortgage quote, you'll find someone here to help. For example, with your home equity loan you can pay off high interest credit cards and save money. It can also help you reestablish your credit rating!
Poor Credit Home Loans

Instant Car Loans for Poor Credit

Click Here to review our directory of little known lenders who specialize in obtaining car loans for individuals with poor credit. Whether you are looking for a new car loan, refinancing for your current vehicle or a motorcyle loan there is a lender waiting to help. Many people need a vehicle to earn a living. A small group of lenders understand that a poor credit situation shouldn't prevent you from driving to and from your job. Most of these lenders let you apply instantly online!
Poor Credit Auto Loan

Repair Your Poor Credit

Click Here for our list of specialists that are experts in improving your credit rating. They understand that sometimes circumstances are beyound your control. No-one plans to have poor credit and these companies can help. Many of these experts have solutions to get your credit rating healthy much sooner than you could imagine.
Poor Credit Repaired


Are you in a poor credit situation?

There is help no matter how poor your credit situation is! badcreditgenie.com is your resource for poor credit personal loan solutions, mortage and home equity lenders, car/auto/motorcycle loan approvals, credit card offers for the poor credit situation, filing bankruptcy or credit repair help!

You can find a specialist to help you dig out of your current poor credit situation. Our list of list known experts understand that poor situations can happen to very good people. They make it their business to help the credit challenged! You can access a large directory of little (or unknown) poor credit lenders and debt consolidators. We have compiled a list of credit card offers for people with extremely poor credit. You will also find specialist who can help you repair and improve your credit rating. We also provide a large library of helpful articles to educate and inform you on your credit rights and the correct way to handle various credit situations!

Sometimes unexpected situations arise and you wake up buried in debt. It is frustrating to be denied credit cards and loans. Sometimes it feels like there is no way out! Thankfully there are people who understand your situation. They realize that all you need is a little help, and a little breathing room. Many of the resources you will find on this site are not easily accessible through traditional channels. Many of these obscure lenders are not known to your local banker or the big finance and credit card companies. These are established, legitimate companies that help poor credit situations. We are constantly exploring and researching other poor credit solutions and keep our lists up to date. If there is a resource or company that can help you out of your poor credit situation, you'll find them listed here. If you need a personal loan, a credit card, a car loan, a bill/debt consolidation loan, a home equity loan or some expert help to rehabiliate your credit, badcreditgenie is exactly what the doctor ordered! We'll here to help your poor credit situation become much healthier!


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Credit Help Center

Bad Credit Auto Loans
Obtaining bad credit auto loans is not as difficult as you might think it would be. There are several ways to read more... ..

Chexsystems
That name strikes fear into the hearts of anyone who has had to deal with them read more... ..

Credit Repair Scams
How can you recognize one? Is there a way to decipher what is real and what is not? Yes, there is read more... ..





Repairing Bad Credit
How do you go about repairing bad credit? There is no overnight solution, but it can be done. When repairing read more... ..

Secured Credit Card Scams
These scams prey on those individuals who are looking to either build good credit or repair bad read more... ..

Stopping Debt Collectors From Harassing You
The phone rings again, and you cringe. You know it is another debt collector. Let’s face it; in most cases these read more... ..


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Poor Credit News:


Standard & Poor's downgrades National City credit ratings (The Plain Dealer)
Standard & Poor's on Wednesday cut its credit rating for National City Corp. and cut ratings or outlooks for nine other regional U.S. banks, saying it expects mortgage losses to increase.

Standard & Poor's lowers First Horizon credit rating (Knoxville News Sentinel)
NEW YORK — Standard & Poor’s on Wednesday lowered its credit rating on First Horizon National Corp. to “BBB” from “BBB+,” which is one notch above the lowest level of investment grade debt.

Composite Credit Spreads Tighten, Speculative Grade To 789 Basis Points (Thaipr.net)
Standard & Poor's U.S. investment-grade composite credit spread retracted to 275 basis points (bps) yesterday after Tuesday's sharp widening to 283 bps. By comparison, yesterday's spread was more than

S&P upgrades Raytheon credit ratings 1 notch (AP via Yahoo! Finance)
Standard & Poor's Ratings Service on Thursday raised its investment-grade ratings on Raytheon Co. one notch, noting improving credit protection measures and favorable near-term growth opportunities.

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