Your credit score is what banks and other establishments use to check whether they should approve your purchase, loan or job application. Naturally, this could mean the difference between an approval or a denial and why your credit repair is important should you be denied.  

Credit repair is necessary when your credit score is 600 or below. To give you an idea how this is calculated, everyone starts out with a good score but the moment you are late on a payment or a mortgage, this has an affect on your credit score. 

Accumulating credits have never been a good practice. If someone is feeding you the notion that credits are okay, that it is now an accepted part of finances and a very common practice then stay as far away as possible from that person. Credit is bad, it has always been and will always be. Now another bad thing about having credits is the bad reputation.

It is often the case that people with bad credit history are hounded by credit card companies, loan companies and banks. But the thing is, today utility companies and even employers also frown upon people with low credit scores. This is essentially why you should take care of your credit score and undergo some credit repair if necessary.