We all know the basics of good credit: borrow only what you truly need, only borrow what you can afford to repay, pay more than the minimum balance, and pay on time…however, knowing what to do and doing it are sometimes two different things. Whether as a result of bad luck (loss of job, medical bills, unexpected car repairs) or just plain old bad choices (designer shoes, gambling, adding your shady soon-to-be-ex to your account), some people may have what might be called less-than-perfect credit. If you are one of the many people with a negative or limited credit history, you are not alone; and while your situation may not be ideal, there may be more options out there than you realized.