Many times the most well meaning people seem to develop bad credit.很多时候，最良好的意义人们似乎发展信用不良。 Those who had perfect credit in the past seem to go through periods in their lives where debt piles up and paying bills on time becomes more and more difficult.这些谁了完善的信用在过去似乎经过期间在他们的生活在成堆的债务和支付帐单上的时间变得越来越困难。
Why does bad credit seem to occur so often to good people with good intentions?为什么信用不良似乎常常出现良好的人，良好的意愿？ Here are three circumstances in life that regularly turn good financial situations into bad ones:这里有三种情况在生活中，经常把良好的财务状况坏到：
1. 1 。 Many people never really learn how to manage their money and build good credit.许多人从来没有真正学会如何管理自己的金钱和建立良好的信用。 It might be because their parents themselves did not know enough to teach them, or that they just never were interested enough to pay attention and learn how money worked.这可能是因为他们的父母本身并不知道不够，教他们，或者说，他们从未有兴趣足够的重视并学习如何钱工作。
2. 2 。 When people start to make decent money for the first time in their lives, they start to become confident in their abilities to be independent.当人们开始作出体面的钱第一次在他们的生活，他们开始变得自信自己的能力是独立的。 This ability to make money will always be with them.这种能力赚钱的永远是他们。 They start to feel like they can treat themselves to more and more of the finer things in life.他们开始觉得他们可以像对待自己越来越多的精细的生活中。 To them, the money will continue to come in forever.对他们来说，钱会继续来的永远。 They start to spend more and accumulate greater debt.他们开始花费更多，积累更多的债务。
3. 3 。 It’sa fact that bad things happen regularly in life.这是一个事实，即坏事情经常在生活中。 Whether it’s job layoffs, serious illnesses in the family, divorce, or any number of unfortunate occurrences, these setbacks do occur in life.无论是下岗就业，重病的家庭，离婚，或任何数目的不幸事件，这些挫折也发生在生活。 When they do pop up, either money quits coming in, or more money starts going out.当他们这样做弹出，无论是钱退出来，或者更多的资金开始走出去。
Since spending habits and lifestyles have already been established, it is very difficult to overcome the financial difficulties.由于消费习惯和生活方式已经建立，它是非常困难的克服财政困难。 The inability to pay off debt leads to bad credit.无法偿还债务导致信用不良。 Credit scores start to spiral down, and lifestyles are changed dramatically.信用分数开始螺旋式下降，生活方式发生了巨大变化。
Fortunately, there are some ways to improve credit scores and get financial situations back in order.幸运的是，有一些如何提高信用分数并获得财政状况，以便回来。 Here is a three-step process that can quickly get back good credit standing and allow anyone to start enjoying a comfortable, secure lifestyle again:以下是三个步骤的程序，能够迅速恢复良好的信誉，并允许任何人以开始享受一个舒适，安全的生活方式一遍：
1. 1 。 Get $500 from somewhere.获得500美元的地方。 Sell something or earn it somehow.卖东西，或赚取了多少。 Go to your bank and buy a $500 certificate of deposit with that money.转到您的银行购买500美元的存款证与金钱。 A couple of days later go back to the bank and ask for a $500 loan, using the certificate of deposit as collateral.几天后回到银行，并要求500美元的贷款，用存单作抵押。 This “secured” loan will be granted because the bank knows it will get its money back.这种“担保”的贷款将被授予因为银行知道，将获得其赚回来了。 Your cd guarantees that.您的CD保证。
Pay off the loan, making regular payments on time.还清贷款，定期付款的时间。 The payments will be made using the money from the loan.这笔款项将用钱的贷款。 It will cost a small amount of interest, but that will be well worth the expense for the improvement in credit.这将花费少量的利益，但将是很值得牺牲的改进信贷。
2. 2 。 Once that loan is paid off, go back to the same bank and now ask for a $500 “unsecured” loan.一旦贷款付清，返回到相同的银行，现在要求500美元的“无担保”贷款。 With this loan, no collateral will be asked for.随着这笔贷款，没有担保将要求。 You are now in good standing with the bank because of the previous loan, so this loan should also be approved.您现在良好的信誉与银行，因为以前的贷款，所以这笔贷款也应予以通过。 If not, go through the process of the secured loan again.如果不是这样，经过的进程再次担保贷款。 If the unsecured loan is granted, pay off the loan on time using the loan money as before.如果无担保贷款发放，还清贷款时使用贷款前。
3. 3 。 Once the unsecured loan is paid off, you now can apply for an unsecured credit card, either through your bank or through another company.一旦无担保的贷款付清，你现在可以申请无担保的信用卡，或者通过您的银行或通过另一家公司。 The terms of the credit card should be very favorable, and it should have a fairly high limit attached to it.该条款的信用卡应该非常有利的，它应该有一个相当高的限制重视它。 The main thing is to keep this credit card paid off and clean.最主要的是保持这种信用卡付清和清洁。 From there, your credit score will show a vast improvement over where it was just a few months earlier.从那里，你的信用分数将显示出巨大的进步在哪里这是几个月前。
There are many ways to get into debt and develop bad credit.有很多方法可以进入债务和发展信用不良。 Unplanned financial problems and unfortunate occurrences happen to everyone.无计划的财政问题和不幸事件发生的每一个人。 Fortunately, for good people, there are always ways to get back to a happy, financially secure lifestyle.幸运的是，良好的人，总会有办法回到幸福的，在财政上有保障的生活方式。
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