The following are some common reasons why many people have bad credit. Some have bad credit because of ignorance. Others have bad credit due to bad planning. There also are people that have bad credit because they have been overwhelmed by unexpected losses of income. Then they are people that have bad credit because they have been overwhelmed by unexpected medical bills. Regardless of which one may apply, there are ways out of their situation. Anyone ready to put their financial house in order can click on this link www.tiredofbillcollectors.com/products/. For a one-time low price, they can be on their way to making their financial challenges a thing of their past.