Okay so you've got bad credit, you borrowed money you can't play back on time; it happens. Block out all those negative thoughts right now and start thinking positive. You CAN fix your credit, bad credit isn't permanent. Once you receive your credit report (you get like 1 a year for free I think?) and you know what you need to pay off write that number down and set a realistic timeframe you think you can accomplish this in with your current job. Between bills, rent, groceries, your children's needs (if you have any) and unexpected events it's going to take awhile, isn't it? This is where Forex trading comes in.