text: i have bad credit.  how can i make it better?  enough to actually be approved by a credit lender? about four six years ago i financed a car loan and by the third year into it owing about $3000 i stopped paying on it because it was a piece of crap.  it had lots of problems and i couldn't drive it.  the car dealer gave me a bad deal because i had no established credit.   i never filed bankruptcy, i just dumped the car somewhere and never paid on it.  so obviously because of this i have bad credit. i've never received a credit report (because of procrastination) so i don't know how low my score is.  but could someone give me some advice on how to regain good credit if noone will approve my credit applications? to answer this question requires alot more information.  it requires educating yourself in the laws of fair credit acts, as well as collection agency policies.  it will take alot of work, and time.   here is where to start. yeah, i know , its not an easy answer and just do this "one" thing.  www.ezboard.com  search for credit repair forums..all the info is there- free!   you can register into ezboard and ask questions. i know alot of those people on the credit boards, and would recomend them to anyone.  good luck !