How to Find the Most Affordable Car Finance Plans if You Struggle with Poor Credit Maintaining a healthy credit report is important to us all, no matter what walks of life you hail from. In these unprecedented and difficult financial times, doing so is becoming harder and harder. You may struggle with poor credit for a number of reasons, all of which can be changed or reversed over time. These include: Late or missed payments: Should not do too much harm to your credit report if they occur irregularly. Paying the minimum: Paying more than the minimum can lower interest payments and shows you are comfortable with payments.