John S Kiernan, Managing Editor
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You can find out if you have bad credit in two minutes, by signing up for a free WalletHub account. You’ll get daily updates to your credit score and report as well as customized credit-improvement advice and card suggestions.
There’s also a qualitative test: If any of the following are applicable, you have bad credit: Alternatively, if any of these are applicable, you have bad credit:
- You are late on a credit card, loan or medical bill or payment
- The balances on your credit cards are near your limits
- You have declared bankruptcy in the last three years
- You have been more than 60 days late on a medical bill, credit card or loan payment in the last nine months.
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