There’s no shame in it as you can have bad credit for a number of reason,
ranging from simple to complex. In fact; you can have a bad credit for a
simple reason as not keeping on one address for a long time, or even for
not returning a book you borrowed from library and you can even tarnish
your credit score if you have an unpaid parking ticket. This clearly indicates
that bad credit is not restricted to making errors in repayment of loans.
Rendezvous with bad credit thus has become fairly easy.