Having bad credit score is as bad as having NO SCORE. No one would like to mess with their score intentionally there has to be a genuine reason of defaulting. But one has to make sure that after defaulting he/she needs to have the intention to repair it to as it hurts their credibility too. In case then individual requires a loan in future the past default will haunt their current and future requirements. Creditseva is here for to give a solution with free credit score. https://www.creditseva.com/free-credit-score