Credit problems happen to a variety of people for a variety of reasons. Whether it’s an injury, lengthy illness, job loss, bad investments among other reasons having bad credit can hamper your ability to rent an apartment, buy a home or car or even get a job. Sometimes things get so overwhelming it can induce a kind of paralysis, however ignoring the problem for too long only makes things worse. Solving bad credit issues does take time and patience, but it doesn’t have to be an ordeal.