Bad credit?

Does anyone know how i can get a credit card or personal loan in Australia with bad credit. I would like to advise that the reason why i have bad credit in the first place is because of an abusive relationship i was in 5 years ago - i ran away from my partner and didn't know at the time that he had stolen my wallet and ID's and him and his then girlfriend hooked up mobile phones under my name and put me in like $3,000 debt. I found out a year ago when i applyed for a credit card and it was declined that there where defaults on my name from them. I have paid the defaults off, but am having a hard time trying to get credit now - they come off my file end of this year - but i really need some money now as i am in the process of trying to find a house for me and my son. Any advise would be useful.Bad credit?
Bad credit can affect many of the opportunities you have in your life, from your ability to purchase a home right down to your ability to rent movies. Today, Americans are finding themselves more in debt than ever, and many do not know how to go about fixing their financial reputations.



Most of the financial woes of Americans and bad credit can be attributed to credit card bills. Many American consumers and their families are being dragged into (or deeper into) financial holes because of their uncontrolled spending on their major credit cards. When it comes time for the credit card debt settlement, they find that they overextended their means and are not able to settle credit card debt. The research on this subject is astounding:



Studies have suggested that on average, an American household will have monthly due balance around $8,000, including both credit cards and student loans. The problem with this accumulated debt is the interest. As the debt sits whiteout getting paid off, the interest accrues and the per month payments go up. Soon enough, many consumers find themselves paying more to the interest on their debts than on any other household expense. Many suggest that the only escape from this financial purgatory is to look into options such as credit card and debt consolidation.



One way that people try to consolidate their debt is by applying for another credit card and then transferring the balance over to the new one, taking advantage of the often low beginner APR rates. This way is really not very effective, as all that ends up happening is a larger sum of money on a new card, resulting in even higher interest payments. Read more about it at: http://www.credit-card-gallery.com/articBad credit?
Consumer Bad Credit Repair Guide

http://gratiscard.org

A free bad credit repair consumer guide to obtaining credit cards, car loans, mortgages, personal loans and repairing your credit in the U.S., Australia, United Kingdom, Ireland and Canada.

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';At some point of time people dol have bad credit record. If you are worried about your poor credit history then you will not get any credit. There are many lenders who provide loans to people whose credit record is bad, but at a higher interest rate. You can get bad credit loans from some lenders quickly and easily.



Before you apply for a bad credit loan, there are some points you should first take into account. The only eligibility for the bad credit loan is poor credit history. To increase your credit score, ensure that the details of your loans are sent to major credit bureaus. ';
There you go : http://simple-credit-cards-and-loans.com



Also take a look there, it may help you :



http://index-go.com/improve-credit-score





Good luck !