If you have really bad credit and want to improve your credit score or rating don’t despair, I have a suggestion for you that my friend tried and it worked. He could not get credit approved for anything, so he tried something off the wall. Why not make a deal with the bank that would not cause them any risk of their money. Here it is, ask the bank to approve very small loan and keep the money in a drawer until you pay it off in full. You will improve your credit worthiness, the bank will have no risk of loaning you the money, and at the end of repaying for the loan, you will have a nice reward waiting for you, the principal loan amount. Try it !!!!