For years, I was plagued by my poor credit history. I thought I would never be able to fix it or get approved for a car loan. But once I took control of my situation, I was able to rid myself of the negative financial marks that had been holding me back. I had to learn how to manage my accounts better, and get access to my credit reports so I could see what the lenders saw. I had to be patient, as the results weren't going to happen overnight. During this process, I took the time to learn more about how long different bad credit situations can affect someone.