Good credit is critical. Banks won’t give you a loan if you have a bad credit score. Credit
card companies will reject you and insurance companies may charge you a higher rate. If
you have a low credit score, the utility company may require a security deposit
before they’ll turn anything on.

Unfortunately, it’s pretty easy to hurt your credit score. Something as simple as being
late on a loan payment can do serious damage to your score. If your actions have
lowered your score, you’re not alone. Millions of people have experienced the same thing.
 
The good news is that you can repair and improve your credit score.