Have you been having a hard time as a result of your poor credit for years? A lot of credit scores are going down in this difficult economic time. Fortunately, a number of methods for improving such ratings do exist, and your first step is as easy as reading this article.

Getting home finance can be quite tough when your credit rating is not good. There is, however, alternative types of funding available that are offered by the banks. FHA and USDA are two such agencies who offer finance to those with lower credit scores, sometimes with low down payment and closing cost clauses. You might be able to get an FHA loan even if you cannot afford closing costs or down payments.