Bad Credit Resource Center

This tip probably won’t help you improve your credit but it will at least keep it from falling. Get overdraft protection, insurance on your credit cards, or other protective services to maintain your credit rating.

Talk to your bank and lenders about services they offer to keep financial incidents from affecting your credit. Overdraft protection, for example, is a basic service that often costs nothing or very little extra but which protects you in case you withdraw too much money from your bank account. 

With overdraft protection, you do not get a “ding” on your credit report or a charge for insufficient funds.  In most cases, you get a day or two to add more money to the account to cover the deficiency.  Some credit cards and other loans offer a similar service or offer insurance which protects you in case you lose your job or get disabled and are unable to pay for a few months. 

fix bad credit