Answer: -This is going to depend mostly on just how bad is bad. However, there are many companies that offer things like "starter credit cards" that either have higher interest rates, are secured, or have annual feels that they will give to people looking to build or rebuild credit.Some companies to try are any credit unions you are affiliated with and Capital One. -You might be able to get an Orchard MC but you will pay an annual fee and have a very low limit.Rebuild your credit by letting it age not getting more credit so you can spend more and get in deeper and deeper.Credit checks are pulled for most any major CC you want to get and ALL unsecured loans. -Im not really sure but it wont hurt to check with NHBS, inc..I remember my aunt who undergone the same situation was assisted by them. -There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements.Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation.