If you have bad credit then check out the FICO forums. There is a great deal of info available there for free that can help you get onto the path towards good credit.
I think the CC figures are off since a person with good credit would usually pay of the balance every period thus not having to deal with the interest while a person with bad credit usually got there because they leave balances on the CC.
[–] MedicalMountainGoat ago
If you have bad credit then check out the FICO forums. There is a great deal of info available there for free that can help you get onto the path towards good credit.