Unfortunately, getting out of debt with a bad credit score can be difficult, as lenders use a person’s credit rating and history to factor risk. If you have missed payments in the past, most lenders consider it a red flag. In these instances, the best way to pay off credit cards or similar debts is to ask a person with a good credit score to serve as a co-signer.
By including a co-signer, even a bad credit lender is more likely to work with you. Just make sure you carefully review the interest and fees if you need bad credit debt help as these charges are usually higher.