I have really bad credit and I feel overwhelmed and don't know what to do. It all started when I turned 18 and took out one credit card. I have always been very good with money, finances, and saving and thought that I would never be one to face credit problems. Growing up, my parents always struggled with bad credit and tons of bills…. mainly because my mom kept digging herself in holes she couldn’t get out of and my dad wasn’t aggressive enough to take hold of the finances although he wasn’t much of a spender.