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What Does It Mean If You Have 'Bad Credit' Bad credit is a rather dismissive term used to describe you if you have had a bad history of borrowing or repaying money. 
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Bad credit car loans are financing options that are specifically designed to suit people that have less than ideal credit. Just because you have a low credit score or have not built up enough credit, it does not mean that you should be prevented from borrowing money to buy a car. 

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