It’s easy to fall into the trap of splurging on a credit card but then disaster strikes in the form of an illness, unemployment or some other unexpected major financial crisis.

The Users Guide to Bad Credit at BadCreditOffers.com is a consumer resource for those with a poor credit rating. It’s a completely free service that monitors the credit marketplace to bring you the best finance and information available to people with credit problems.

They provide information and comparisons on car loans, home loans, personal loans and more. You can even find out about credit counselling and obtain your credit report.