You may fit into one of the following categories:

You have been mislabeled, for whatever reason, as having a bad credit history.

You have had a distant past history of bad credit – but may feel you can show you are a reformed character.

You have a recent history of bad credit.

A surprising but possible cause for a bad credit rating is that you have an unconventional source of income. This means normal credit scoring techniques make you look like a bad bet.

So if you’re a multi millionaire songwriter, living off the royalties of a mega hit, don’t be surprised if you get a bad credit rating. The cyclops credit reference agencies can only see that you haven’t got a 9 to 5 job so must be a bad credit bet.

Read More About Bad Credit Ratings