http://www.isnare.com/?s=author&a=Vengat+Owen Finances Vengat Owen Tue, 01 Jul 2008 00:00:00 +0800 http://www.isnare.com/?aid=179056&ca=Finances Bad credit is a poor credit rating. People with a bad credit rating have a history of late payments, skipping payments, over borrowing on credit cards or declaring bankruptcy. Poor financial management leads to bad credit. Spending habits, forgetfulness and lack of organization result in a bad cred...