How do you go about?
By taking baby steps you can restore your credibility again. With a poor record the banks will be reluctant to grant you the credit you may need. Do not despair as the service providers offering blacklisted loans can be your solution. Should you meet their minimum criteria they will be willing to grant you a small loan. You may decline the offer as you may think it will not solve your problems. Wrong, it can save you. By applying for a small loan and pay it regularly they will in most cases be willing to grant you bigger loans after you paid at least 3 instalments. Perhaps you can settle a few minor accounts with the smaller loan as well. This will already give you more cash in the hand at each month end. When they grant you the next loan you can settle some bigger loans. As your accounts gets paid regularly now your credit score will improve and you are on your way to good credit again.
So you see a marriage between Bad Credit and Good credit can indeed work.
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