Author : Joseph Kenny Bad credit can be financially crippling when trying to apply for a credit card or a loan or even more of a problem when applying for a mortgage Bad credit can cause many sleepless nights and family stress, while trying to acquire a mortgage for your new home It is very easy indeed to lose your good credit status, a few late payments, or one missed payment can seriously damage your credit rating A couple of weeks off work, sick, or some unforeseen large payment can eas