Bad credit or 'adverse credit' means you have a poor or bad credit history.
At some point in the past, you may have failed to make regular payments on your debts. Whether that is due to missed or late payments, this can negatively impact your credit score and your ability to borrow money.
You can receive bad credit from missing even small debts such as mobile phone contracts or credit card minimum payments.
If you need helpful tips on how to improve your credit score, please see our guides.Back