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rebuild credit It dawned on me that not everyone who reads here may be in the same financial situation as me. We all have our own struggles and downfalls and differences when it comes to finances. Even if you have bad credit, it’s still possible to get approved for credit cards and other lines of credit in order to work your way back up into the good credit bracket.  Will it take some time?  Sure.  Do you have to be smart with your choices?  Indeed.  But it’s not a lost cause.  These days having a clean credit score is very important and there ARE companies out there who will work with you.  Do the research, have a plan, and don’t fret so much.  When you start making wiser choices, things will start making sense and fall into place for you!