 TITLE: What Is a Bad Credit Score? CONTENT: The Bottom Line\n---------------\nHaving bad credit presents serious problems with your personal finances, so it's important to know your credit report and credit score. Thankfully, there are many steps you can take to improve your credit, and you can start to see results within just a few months. By taking the time to understand how credit scores work, and what causes bad credit, you can manage your credit responsibly and enjoy additional financial opportunities as you improve your credit score. END