Credit scores are extremely important to everyone, but some people just don't recognize the significance of a high credit rating.
A low score can keep you from getting credit accounts, but the effects of a low credit score can be much more damaging than that.
If you have an unsatisfactory rating on your credit report, you may want to consider credit score repair.

• Credit scores are considered by creditors when they are reviewing a new application for credit.
  If your score is low, you are likely to be denied.
  If it is mid-range, you may be charged higher interest rates.
  To get the best interest rate on a new credit account, concentrate on improving your credit rating.
  
• Credit card companies consider your score in order to set, raise or lower your maximum balance.
  
• Insurance companies review credit reports and take your credit score into consideration.
  If you have bad credit, you are likely to incur higher insurance premiums.
  
• Your credit score may also be considered by utility and phone companies to determine whether or not you will have to pay a deposit and how much that deposit will be.
  
• Landlords may review your credit report in making decisions whether or not to rent accommodations to you.
  
• Some employers take a look at your credit report during application review, especially if you will be dealing with money.
  If the report shows that you are overextended in debt, you may be considered high-risk to the employer.
  

Credit repair and sound credit counseling can help you to improve your credit score and your credit report.
A counselor can advise you how to lower your debt and improve your credibility.
This can make an enormous difference in your life.