Adverse credit is a term to describe borrowers with low reliability. The normal reason why people have a low reliability is because they earlier have mismanaged their debt. The bank will not easily give you a loan or credit card if you have an the history of it.
To improve your credit, you must always repay what you owe at time. This will over time improve your credit. If you have a steady income over time, your credit score will also be better so that you no longer have adverse credit.
Even if you have an adverse credit history the bank could give you a loan or credit card, but probably not on very good terms.
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