Credit score issues occur when you don’t pay your obligations and expenses on time. As a result, you will have to do something that shows you are paying the obligations on time and now have improved financial behaviour. In such a situation, if a money crisis happens, you can apply for loans for bad credit for one year. The instalments are quite affordable. Pay the instalments on time, and your credit score will improve. Many borrowers intentionally borrow funds to improve their credit rating.