I'm having a bad credit :(

I've been wondering for a while now the reason why I got a bad credit. I think the excess use of credit cards and failure to repay the money has given me a bad credit rating. Bad credit rating is affecting me a lot as I am not able to get loans from bank. I was planning to get a new car. My old car is really in a bad state and I wanted to get a new car as soon as possible. But, since I had bad credit report, the agencies refused to gimme loans. And therfore I cant get my new car in the near future. I need to have a good credit report in order to get loans from bank. THe loan stipulations have increased significantly and I need to improve myself with respect to this. I am knowing my credit report every now and then thanks to creditnexus.com. They are providing a free credit report to all the people who are looking to get one. You can also know something about identity theft from their website. In fact, you can get loads of vital information regarding identity theft and identity theft protecting through their website. I've been using their free service for a while now. Visit their website to know more about them. I hope you will visit.