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Showing posts from June, 2025

6 Key Points to Consider Before Applying for a Bad Credit Loan

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At Decs – We Kill Debt, we understand that life doesn’t always go according to plan. Whether it’s unexpected medical bills, job loss, or just tough times, many Americans find themselves facing a low credit score and limited financial options. That’s where bad credit loans can appear as a lifeline — but they come with important considerations. Before jumping into a loan application, it’s crucial to fully understand the risks and rewards. Here are six key points to keep in mind before applying for a bad credit loan: 1. Understand What a Bad Credit Loan Is A  bad credit loan  is a financial product designed specifically for individuals with a low credit score or limited credit history. These loans typically come with higher interest rates than traditional loans because lenders see borrowers with bad credit as higher risk. There are several types of bad credit loans: Secured loans , which require collateral like a car or savings account Unsecured loans , which don’t require ...

5 Proven Strategies to Rebuild Your Credit History After Bankruptcy

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Bankruptcy is a challenging experience that can leave you feeling financially drained and uncertain about the future. One of the most significant consequences of bankruptcy is the impact it has on your credit score and history. After going through bankruptcy,  rebuilding your credit  may seem overwhelming, but it’s not impossible. The process requires patience, consistency, and strategic financial decisions. At Decs – We Kill Debt, we specialize in helping individuals recover from financial setbacks, including bankruptcy. In this blog, we’ll guide you through five proven strategies to rebuild your credit history after bankruptcy, providing actionable steps to get you back on track and secure your financial future. Strategy #1: Check Your Credit Report for Errors The first step in rebuilding credit after bankruptcy is to check your credit report for any errors. Even after bankruptcy, mistakes can appear on your credit report, such as incorrect balances, outdated personal inform...