Nearly everyone is suffering today under a changing market for credit cards and consumer loans. Even people with good credit histories and excellent credit scores are having the terms of their credit changed by the banks, and sometimes detrimentally. But for people who had bad credit, it's possible that some of these changes, not to mention the loss of jobs across the US, has caused more people to be left with really bad credit. Believe it or not, there is way out for folks with terrible credit, so here are some ideas on how to fix really bad credit. Read more »